Short-term disability is a type of insurance coverage that pays a portion of your wages while you are out of work for a temporary disability, such as an injury, serious medical condition or pregnancy. If you find yourself in any of these situations, you can claim short-term disability.
Receive a short-term disability claim form from an insurance provider. Companies that offer this type of coverage include Mutual of Omaha, Assurant Employee Benefits and Advantage Benefits.
Include the appropriate information about your disability on the claim form. Explain the nature of the disability as well as the date when you were first absent from work. You will need to reveal your Social Security number, contact information and details about any other claims you've filed for the disability, such as worker's compensation.
Ask your employer to fill out his or her portion of the short-term disability claim form. Your employer needs to note how much you earn each week, how many hours you work, your job title, the nature of your work and the last day you worked.
Bring the disability claim form to your physician. An attending physician will need to validate your form in order for you to claim short-term disability. He or she must disclose your diagnosis, symptoms and treatment history. Physicians usually are required to complete a short survey about your limitations because of the disability.
Send the completed short-term disability claim form to your insurance provider. The insurer might request your medical records and ask for authority to audit them. If your claim is successfully processed, you will receive a portion of your wages for a set number of weeks while on disability.