Short-term disability coverage usually provides a portion of your salary for anywhere from three to six months and sometimes up to one year. This coverage is often adequate for illnesses and injuries from which you can quickly recover. The length of coverage depends on the policy, and in some cases, where you live. For example; Hawaii, New Jersey, New York, and Rhode Island require most employers to provide disability benefits for up to 26 weeks. In California, most employers must provide coverage for up to 52 weeks. If you become disabled, coverage may begin right away, or there may be a waiting period (also called an "elimination period").

Short-term disability policies may pay a high percentage of your salary, even 100 percent, but only for a limited period of time. Long-term disability policies typically pay less, often 40 percent to 60 percent of your current pay, although you may be able to purchase additional coverage through your employer.

To learn more about your group policy, go to your employer's human resources department.

Ask the following questions: