Short-term Disability Insurance Coverage 101 888011000 110888 MoneyTipsIf you find yourself handicapped for a brief time, your employer may use short-term impairment insurance coverage as part of your advantages package to help you retain some earnings while you recover. There will be a limit employment requirement (a certain time of service and work status) to be qualified. Normally, the series of advantages is between 50-75% of income for between 10-26 weeks, depending upon the program. Unfortunately, if your company does not offer this benefit, your governmental impairment benefit alternatives are pretty restricted. Social Security disability payments from the federal government are not offered if you are handicapped for less than one year. A lot of state programs do not use an option, either– nevertheless, there are 5 states where short-term disability insurance is mandated. California— The California program covers the longest time period– approximately a full year of advantages, and possibly longer if you have the ability to r.