What is an average waiting period for Short Term Disability benefits to kick in?

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    I recently started working for a company that has a 30 day waiting period before the employee receives the STD payments (60% of avg salary). They are required to use all of there PTO during that period but most of our employees do not have 30 days of vacation saved up. Previous companies I’ve worked for had a 2 week waiting period. What is a good average for the STD waiting period? Thanks for your assistance.

     

    I have worked at companies that have had a 7 day wait and a 14 day.
    ?
    Unrhea P. Session, BA, ?MA,?PHR
    ?

    ________________________________
    From: Karla_G via vacation-leave <vacation-leave@hr.toolbox.com>
    To: usession <usession@sbcglobal.net>
    Sent: Thu, April 29, 2010 2:18:19 PM
    Subject: [vacation-leave] What is an average waiting period for Short Term Disability benefits to kick in?

    Posted by Karla_G (HR Generalist)
    on Apr 29 at 3:58 PM
    I recently started working for a company that has a 30 day waiting period before the employee receives the STD payments (60% of avg salary). They are required to use all of there PTO during that period but most of our employees do not have 30 days of vacation saved up. Previous companies I’ve worked for had a 2 week waiting period.
    What is a good average for the STD waiting period?
    Thanks for your assistance.

     

    You will probably find that the number varies. Where I am – hospital – USA it is 7 days.

    ________________________________
    From: Karla_G via vacation-leave [mailto:vacation-leave@hr.toolbox.com]
    Sent: Thursday, April 29, 2010 3:18 PM
    To: Dimachk, Donna
    Subject: [vacation-leave] What is an average waiting period for Short Term Disability benefits to kick in?

    [http://userimages.toolbox.com/user/b_1654965.jpg]

    Posted by Karla_G (HR Generalist)
    on Apr 29 at 3:58 PM

    I recently started working for a company that has a 30 day waiting period before the employee receives the STD payments (60% of avg salary). They are required to use all of there PTO during that period but most of our employees do not have 30 days of vacation saved up. Previous companies I’ve worked for had a 2 week waiting period.
    What is a good average for the STD waiting period?
    Thanks for your assistance.

     

    Diane S. Wrona
    Human Resource Manager

    8901 Tyler Boulevard
    Mentor, OH 44060 USA
    P 440-205-3100 / 888-953-9400 / F 440-205-3110

    Visit us at: www.roll-kraft.com <http://www.roll-kraft.com/>

    P Please consider the environment before printing this e-mail.

    ________________________________

    From: usession via vacation-leave [mailto:vacation-leave@hr.toolbox.com]

    Sent: Thursday, April 29, 2010 4:03 PM
    To: Diane Wrona
    Subject: Re: [vacation-leave] What is an average waiting period for
    Short Term Disability benefits to kick in?

    Posted by usession
    (Payroll & Benefits Admin Mgr.)
    on Apr 29 at 4:01 PM Mark this reply as helpfulMark as helpful
    <http://hr.toolbox.com/api/ContentVote/3472944/1/2/>
    I have worked at companies that have had a 7 day wait and a 14 day.
    ?
    Unrhea P. Session, BA, ?MA,?PHR
    ?

    ________________________________
    From: Karla_G via vacation-leave <vacation-leave@hr.toolbox.com>
    To: usession <usession@sbcglobal.net>
    Sent: Thu, April 29, 2010 2:18:19 PM
    Subject: [vacation-leave] What is an average waiting period for Short
    Term Disability benefits to kick in?

    Posted by Karla_G (HR Generalist)
    on Apr 29 at 3:58 PM
    I recently started working for a company that has a 30 day waiting
    period before the employee receives the STD payments (60% of avg
    salary). They are required to use all of there PTO during that period
    but most of our employees do not have 30 days of vacation saved up.
    Previous companies I’ve worked for had a 2 week waiting period.
    What is a good average for the STD waiting period?
    Thanks for your assistance.

     

    The national avg is 15 working days.

    Bob Queyrouze
    P.O.Box 655906
    Dallas, TX 75265-5906
    214-922-6374, Fax 214-922-6355
    bob.queyrouze@dal.frb.org

    From: “”Karla_G via vacation-leave”” <vacation-leave@hr.toolbox.com>
    To: yojinbo <bob.queyrouze@dal.frb.org>
    Date: 04/29/2010 03:02 PM
    Subject: [vacation-leave] What is an average waiting period for
    Short Term Disability benefits to kick in?

    Posted by Karla_G (HR Generalist)
    on Apr 29 at 3:58 PM

    I recently started working for a company that has a 30 day waiting period
    before the employee receives the STD payments (60% of avg salary). They
    are required to use all of there PTO during that period but most of our
    employees do not have 30 days of vacation saved up. Previous companies
    I’ve worked for had a 2 week waiting period.
    What is a good average for the STD waiting period?
    Thanks for your assistance.

     

    Waiting periods are going to vary by industry, employee size, union
    groups, who pays the premium (or is it self-funded) and claims
    experience. I would recommend you determine what are the norms for your
    company’s industry.

    Usually the premium difference between 15 day and 30 day waiting period
    is exponential (as opposed to a straight ratio) due to the shorter wait
    time and the corresponding increase in claims that wouldn’t occur under
    a 30 day wait. If employees pay the premium, moving to a 15 day waiting
    period may price out lower paid employees from having any coverage at
    all. If have a fully insured plan your broker/consultant should be able
    to assist you in pricing and competitor coverage levels.

    Michael D. Cartwright

    North Carolina Baptist Hospital

    phone: (336) 716-3337

    fax: (336) 716-5553

    From: Karla_G via vacation-leave [mailto:vacation-leave@hr.toolbox.com]
    Sent: Thursday, April 29, 2010 3:18 PM
    To: Michael D. Cartwright/HR Administration
    Subject: [vacation-leave] What is an average waiting period for Short
    Term Disability benefits to kick in?

    Posted by Karla_G (HR
    Generalist)
    on Apr 29 at 3:58 PM

    I recently started working for a company that has a 30 day waiting
    period before the employee receives the STD payments (60% of avg
    salary). They are required to use all of there PTO during that period
    but most of our employees do not have 30 days of vacation saved up.
    Previous companies I’ve worked for had a 2 week waiting period.
    What is a good average for the STD waiting period?
    Thanks for your assistance.

    The question and ans was originally published here.