Neither Michigan nor federal law requires a company to provide short-term disability benefits. This decision is up to the employer, who may offer benefits for a short period of time, such as 90 or 180 days. There are, however, several other options available to people seeking short-term disability if they are not provided benefits by their employer.
Employers have the option to offer benefits for short- and long-term disability income insurance, according to the Michigan Department of Energy, Labor and Economic Growth. These incomes are designed to pay employees enough to cover living expenses. Most short-term policies include a waiver of premium, where a patient's insurance premium costs are covered during short-term disability. Also, policies often contain an elimination period, which is a period of time that a patient must wait before he can claim disability benefits. In order to qualify, patients must remain totally disabled during the elimination period. The time of an elimination period is established by the policy.
If an employer does not offer short-term disability benefits, and the employee was injured on the job, the employee may be eligible for workers compensation. To qualify for workers compensation, an employee must be injured on the job, or have become ill as a result of the workplace environment, and no longer be able to perform job-related duties. According to the Workers Compensation website, in Michigan, a worker who qualifies for workers compensation will receive payments and medical care coverage while forfeiting the right to sue the employer.
Family Medical Leave Act
An employee who works for a company that employs 50 or more people is covered under the Family Medical Leave Act if they have worked at the company for a year or more, according to the Workers Compensation website. This act guarantees an employee 12 weeks of unpaid leave time for a serious medical condition, pregnancy or adoption, as well as in the event that a parent needs to be cared for.
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