Protection by your side while you get back on your feet
Get help covering expenses if you’re ill, injured or give birth*
Even with careful planning and saving, most people count on a steady paycheck to cover their monthly expenses. If you become disabled or have a baby, this benefit pays a portion of your salary, to help you cover your everyday or special expenses.
What it does
Provides a monthly payment, equal to a portion of your salary, that you can use however you want. Check with your benefits representative for your company’s specific plan details.
How it works
We will start sending regular payments for a specific period of time once your case has been approved. We’ll just need to receive notice that you are unable to perform your job function and the supporting medical documents to help prove that. Payments will begin once you’ve been out of work for a set number of days, referred to as your elimination period.
What it doesn't do
This benefit does not provide payments for as long as you are disabled and doesn’t provide job protection. This coverage typically provides benefit payments for the first 13 or 26 weeks only, depending on the plan. For longer term coverage consider Long-Term Disability insurance.
Every 7 seconds
a working-age American suffers a disabling illness or injury that will last at least one month. 1
1Council for Disability Awareness, Long-Term Disability Claims Review, 2012.
Q & A
Short-term disability insurance can provide peace of mind, because it provides you with replacement of income if you become disabled through illness or injury, or have a baby.
If you have short-term disability insurance and are determined to be disabled, you typically start receiving benefit payments after a short waiting period depending if you have suffered an accident or sickness. Those benefits vary based on your disability and can last from several days or weeks up to a maximum period of 26 weeks, depending on the language in your policy. Your benefits equal a percentage of your earnings and can be used to pay for any expenses you might have.
You become eligible for coverage when you’ve worked for your employer for a certain amount of time – typically 30 days to six months, depending on the state in which you work.
Your employer may typically either pay all or a portion of the premium for your short-term disability coverage.
To qualify, you must give birth, or be unable to work due to an illness, injury or accident that is not related to work.
Depending on your policy, you may be eligible to receive benefit payments for up to 26 weeks if deemed to be disabled. Anything longer than that would be paid by a long-term disability insurance policy. Long-term disability payments typically start after short-term disability payments end, and can last for as long as you are disabled up to your normal retirement age.
If the same disability recurs within a certain amount of time, you don’t have to satisfy the waiting period again, so your benefits would begin right away if you are determined to be disabled under the terms and provisions of the policy. If a new disability occurs, you will need to satisfy the waiting period before you can receive benefit payments if you are determined to be disabled under the terms and provisions of the policy.
It’s a waiting period between the time when your disability begins and the time when you begin receiving benefit payments during which time you must remain disabled.
That depends on your needs and what percentage of your salary you think you would need if you were unable to work.
Typically you would get it through your employer, though you can purchase it on your own. It tends to be more expensive if you purchase it on your own.
Being disabled means you have a physical or mental condition that limits movements, senses or activities. Check with your benefits representative for your company’s specific plan details.
You can use the payments for anything you see fit. They can help cover any medical expenses, you can use them to pay day-to-day expenses, or anything else you want.
Every policy is different, but typically short- and long-term disability insurance will not cover things like intentionally self-inflicted injuries, loss of professional or occupational license or certificate, or injuries that happened while committing a crime or during war or an act of war, whether its declared or undeclared. It also won’t cover pre-existing conditions, like a disability you had before you signed up for the policy.
They can be. If your employer pays the premiums for your short-term disability insurance, the benefit payments you receive can be taxed. But, if you pay the entire premium, you may not be required to report the benefit amount to the IRS. Please seek advice from a tax or other qualified professional.
If you are receiving income from another insurance policy, retirement benefits or a government program, such as workers’ compensation, your disability benefits may be reduced.
The amount you receive depends on your pre-disability earnings and the benefit percentage allowed in your policy. You can elect for your benefit payment checks be mailed to you either weekly or monthly.
As soon as possible after you’ve been disabled. If you have Short- or Long-Term Disability Insurance from AXA**, you can obtain a claim form from your employer. If your disability is scheduled, such as surgery or child birth, you can file a claim prior to the event to help speed up the process.
You’ll need your personal contact information, work schedule, reason for not being able to work, last day worked, first day of missed work, information about your condition and the contact information for your treating physician.
This varies by carrier. If you have Short- or Long-Term Disability from AXA**, you’ll typically have a short-term disability claim decision within 10 business days and a long-term disability claim decision within 30 business days from when we received the appropriate completed claim form. If it looks like it will take longer than that, we will let you know as soon as possible and explain why it’s taking longer than expected.
Your claim analyst will work with you throughout the process and can help you design an appropriate return-to-work schedule when you are no longer disabled. Please notify him or her when you know your return-to-work date.
NEW MEXICO RESIDENTS: Please be advised that this Suite of Insurance Products section of our website is not currently directed to, applicable to, or intended for any person residing in the state of New Mexico.
* Maternity leave short-term disability benefits are subject to employer election and may be offset by any eligible state benefit.
These products only provide disability income insurance THESE POLICIES ARE NOT MEDICARE SUPPLEMENT PLANS. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The policies have limitations and exclusions. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Form/Contract AXEBP15DI; MOEBP15DI and State Variations.
AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. (AEFS). **"AXA" is the brand name of AEFS and its family of companies, including AXA Equitable Life Insurance Company (AXA Equitable) (NY, NY), MONY Life Insurance Company of America (AZ stock company, admin. office: Jersey City, NJ) (MONY America), and AXA Distributors, LLC. All group insurance products are issued either by AXA Equitable or MONY America, which have sole responsibility for their insurance and claims-paying obligations. Some products are not available in all states.