To help you make sense of it all, this guide will explain the basics of short-term disability in Illinois and what you need to know if you’re considering applying for benefits.
Short-term disability insurance is an important part of financial planning. Unfortunately, navigating the system can be a bit confusing.
What Are Short Term Disability Benefits?
Short term disability (STD) benefits provide temporary financial assistance to individuals who are temporarily unable to work due to a qualifying medical condition. These benefits are designed to provide financial support while an individual is recovering from an illness or injury, so that they can return to work as soon as possible. In Illinois, these benefits are administered by the Department of Human Services (DHS).
Who Is Eligible For Short Term Disability Benefits In Illinois?
The state of Illinois offers short-term disability benefits to residents who are unable to work due to a qualifying medical condition. While the rules and regulations may vary from state to state, understanding the basics of eligibility can help you determine if you are eligible for these benefits.
To be eligible for short term disability in Illinois benefits in Illinois, an individual must meet certain criteria. First, they must have earned at least $1,400 in wages during the twelve consecutive months prior to their disability.
They must also have worked at least 10 hours per week during this time period and have worked for at least five of the last six months prior to their disability.
Additionally, they must have exhausted all other available sources of income such as sick days or vacation days offered by their employer before applying for short term disability in Illinois benefits.
In addition to these requirements, an individual must also be deemed medically disabled by a licensed physician or other qualified medical provider with at least one year of experience in the field relevant to their diagnosis. To be considered medically disabled, an individual’s condition must interfere with their ability to perform any type of gainful employment on either a part-time or full-time basis.
Check Also: Short Term Disability in Oregon 2023 [Check Eligibility & Benefits ]
Steps To Apply For Short-Term Disability In Illinois
The first step to apply for short-term disability in Illinois is to contact the state’s Department of Human Services (DHS). They will be able to help guide you through the entire process.
The following steps should be taken when applying for short-term disability in Illinois :-
Contact A DHS Representative
You must contact a representative at DHS who will assess your situation and determine whether or not you are eligible for short-term disability benefits. The representative will also provide instructions on how to complete the application process.
Obtain Any Necessary Forms From DHS
After speaking with a DHS representative, it is likely that they will provide you with any forms or documents that need to be completed prior to submitting your application. It is important that all forms are filled out completely and accurately so as not to delay the processing of your application.
Gather Additional Documents
There may be additional documents required by DHS such as medical records and proof of income that must be provided when submitting your application. It is important to ensure all documents are included when submitting your application in order for it to be processed efficiently by DHS.
Submit Your Application And Wait For A Response
Once all necessary documents have been gathered and forms have been completed, they must then be submitted to DHS along with your completed application form. Once submitted, it can take up to three weeks before receiving an answer from DHS regarding whether or not you have been approved for short-term disability benefits in Illinois.
Follow Up If Necessary
If after three weeks you have still not heard back from DHS regarding the status of your application, it is important that you follow up with them directly as further delays could occur if certain information was omitted from the initial submission or there were inaccuracies present on any of the documents submitted with the application form itself.
How Long Does It Take To Receive Short-Term Disability Benefits In Illinois?
Short-term disability benefits can provide financial relief while recovering from an illness or injury while living in Illinois; but understanding how long it takes to receive those funds after filing a claim can help alleviate stress during this already difficult time.
By meeting eligibility requirements and providing accurate documentation within a timely manner—it should only take about 30 days before receiving approval for short-term disability benefits in Illinois. Knowing what steps are necessary now will save headaches later!
How Much Money Will You Receive In Short-Term Disability Benefits In Illinois?
The amount of money you receive from short-term disability benefits will vary depending on several different factors. These include your current income level, the length of time you have been disabled, and the type of job you have.
In general, the maximum benefit amount is 50 percent of your average weekly wage up to $1,400 per week.
It’s important to note that this maximum benefit amount is only available if your average weekly wage exceeds $2,800 per week or if it has been more than 14 days since your first day of disability leave.
Additionally, there are certain conditions that can reduce your benefit amount such as if you are receiving workers’ compensation payments or unemployment insurance payments. Additionally, if you are receiving Social Security Disability Insurance (SSDI) payments or Supplemental Security Income (SSI) payments, they may also reduce your benefit amount accordingly.
It’s important to understand how these various factors will affect your benefit amount so that you can plan accordingly and make sure that any financial assistance provided by the state will cover all of your expenses while out of work due to an illness or injury.
Frequently Asked Questions
What is the waiting period for short-term disability in Illinois?
In Illinois, the waiting period for short-term disability is seven days. This means that you must wait seven days from the day of your disability before you can receive any benefits. After the seven-day waiting period, you will start to receive disability payments as long as you meet the other eligibility requirements. If you’re approved, you can receive benefits for up to 26 weeks while you are unable to work.
What do you need to do to keep receiving short-term disability benefits in Illinois?
In order to continue receiving short-term disability benefits in Illinois, you must :-
- Submit proof of continued medical care and treatment related to your disability.
- Provide information about any changes in your medical condition or employment.
- Submit payment for the required premiums, if applicable.
- Complete the necessary paperwork and forms in a timely manner.
- Participate in any recommended vocational rehabilitation or job retraining programs.
- Follow all instructions provided by your disability insurer or the Illinois Department of Insurance.
- Remain in contact with your employer and insurer about your progress and any updates.
- Update your doctor regularly with information about your condition and recovery.
- Keep records of any activities or work you do, even if it is unpaid.
- Abide by the maximum duration of benefits as prescribed by law.
Are there any other benefits available to me while you are on short-term disability in Illinois?
Yes, there are a number of other benefits available to individuals on short-term disability in Illinois. These include :-
- Medical Expense Reimbursement
- Prescription Drug Coverage
- Unemployment Benefits
- Disability Payments
- Return to Work Program
- Retirement Benefits
- Educational Benefits
What happens if you return to work while you are still receiving short-term disability benefits in Illinois?
The answer depends on the individual circumstances. Generally speaking, if you return to work before your short-term disability benefits cease, you may continue to receive benefits for the duration of your disability period as long as you do not exceed the maximum benefit amount.
What happens if you are still disabled after your short-term disability benefits in Illinois run out?
If you are still disabled after your short term disability benefits in Illinois have run out, you may be eligible to receive long-term disability benefits. Long-term disability benefits are available to individuals who have been unable to work due to an injury, illness, or medical condition for more than six months.
If you’re considering applying for short-term disability benefits in Illinois, there are several key points that you need to keep in mind before submitting an application. Make sure that you understand all eligibility requirements and have all necessary paperwork filled out correctly before submitting your application so that it can be processed quickly and efficiently.
If done correctly, short term disability can provide financial relief during times of temporary hardship so that employees can focus on healing and return back to work as soon as possible!