Short-Term Disability (STD) Insurance provides income protection if you’re unable to work for more than three calendar days due to a non-work-related illness or injury.
STD benefits are based on your pre-disability earnings, which include your regular weekly rate of pay but exclude bonuses, commissions, overtime, and other extra compensation. For hourly employees, earnings are calculated by multiplying your hourly rate by your regular weekly hours, up to 40.
For approved disabilities:
Important things to note: