An injured employee is worried about many things, including surviving without a paycheck. Since the accident happened off the job, Worker's Compensation won't cover it. If an employee has to rely on savings, research shows this will last on average just 4.8 weeks. An insured Short Term Disability plan can replace up to 100% of the income lost due to injury of sickness. Focusing on short term disability is the first step to gaining control of overall disability costs. A well-managed STD plan can help an employer identify, track and handle claims professionally and consistently. Active claim management through a fully-insured plan can help shorten the duration of disabilities through rehabilitation and return-to-work efforts, reducing your costs and preventing short term disabilities from turning into long term ones.