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The Family Medical Leave Act (FMLA) and short-term disability often work hand in hand. FMLA allows an employee to take up to 12 weeks off in a 12-month period due to specific medical reasons. The employee is not paid for this time unless accrued paid time off is used, such as sick or vacation pay. Short-term disability, on the other hand, pays a percentage of your regular salary while you are out.
Short-term Disability insurance provides income when a plan member is unable to work as a result of being hospitalized, in an accident, or ill up to 17 to 26 weeks. This is a guaranteed issue benefit, and it can insure company owners only if such a plan design is required. Long-term Disability insurance provides income to plan members who become disabled and unable to perform the duties of his or her occupation. Benefits commence post 119 or 180 days.