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Short-Term Disability (STD)

When an employee is suddenly injured off the job or comes down with an unexpected illness, they want to know they will have the income to pay bills and cover living expenses while they recover. Short-term disability (STD) plans cover medical issues that prevent employees from working for a short period of time.

If a short-term disability (STD) plan is in place, PBA can help administer this benefit.

What Are Short-Term Disability Benefits?

STD is a financial benefit that pays a percentage of an employee's salary for a specific amount of time when they become ill or are injured and can't work. Generally, STD coverage pays 40% to 60% of the employee's normal weekly income. Coverage usually starts from one to 14 days after an employee is injured or becomes ill, which is called an elimination period. The duration of coverage may vary based on eligibility but often runs between three and six months.

PBA Self-funded STD Plan Administration

PBA can help administer an STD benefit plan by providing employers with either full administration assistance or by augmenting an employer's administration of the benefit through PBA's "Advice to Pay" service.

Full Administration

With full administration, PBA will adhere to the STD benefit guidelines when reviewing physician documentation, track STD time and issue the STD benefit payment.

Advice to Pay

With "Advice to Pay" service, PBA will adhere to the STD benefit guidelines when reviewing physician documentation and advise the employer to make the STD benefit payment, allowing the employer the flexibility of control.

Employers with STD plans, especially those who self-administer these plans, benefit from our expertise.