Short Term Disability Insurance

Successive Periods of Disability

Should a successive period of disability occur, due to the same or related causes, it will be considered a continuation of the first disability unless separated by a return to active work on full-time basis at the employee's usual place of business for 14 days or more.

Should a successive or concurrent period of disability occur, due to entirely unrelated causes, it will be considered a continuation of the first disability unless separated by a return to active work on a full-time basis at the employee's usual place of business for one complete day or more.