Texas has no state laws concerning short term disability. Regardless of the nature of the disability there is no state or federal law that will grant short term disability payments. However, the absence of a state law does not prevent an injured or otherwise disabled worker from receiving financial relief.
Short-term disability is generally provided through the worker’s health care insurance. Workers seeking short term disability may find that they are already covered through their private insurance. The duration of short-term disability is typically about six months but varies according to individual policies. Temporary medical conditions are usually considered as short-term disabilities. Long-term disability generally covers an illness or injury that permanently prevents the employee from continuing to work. . It’s advisable to be proactive and check with your insurance carrier before you’re in a situation where you need short-term disability or long-term.
The Family and Medical Leave Act (FMLA) secures the worker's job until they return to work. FLMA grants the worker up to 12 weeks of unpaid medical leave. To qualify for FMLA the employee needs to have worked a minimum of 1,250 hours in the previous 12 months.
If the disability as the result of a work-related injury the employee may be eligible for workers’ compensation, which usually pays for medical expenses and provides financial relief.
It is possible to receive disability payments from the federal government through Social Security but only if you’re disabled for more than five months. For anything shorter than that, Social Security will be of no assistance.
Pregnancy Disability Act
Under the Pregnancy Disability Act an employee may apply for short-term benefits while pregnant. The Pregnancy Disability Act is not a direct program providing benefits but ensures that pregnancy is recognized as a short-term disability.