Filed Under:Health Insurance, Disability

Which STD claims turn into LTD claims?

A man undergoes surgery for prostate cancer. (AP photo/University of Chicago Medical Center, Bruce Powell)
A man undergoes surgery for prostate cancer. (AP photo/University of Chicago Medical Center, Bruce Powell)

Some workers who take federal Family and Medical Leave Act (FMLA) leave are much more likely to file short-term disability (STD) claims than others, and some workers who file STD claims are much more likely to file long-term disability (STD) claims than others.

Analysts at the Integrated Benefits Institute (IBI) look at the correlations in a new report based on survey data from 161 employers with about 520,000 employees. The data included covered the period from 2007 to 2011.

The other conditions with an STD-to-LTD progression rate greater than 5 percent were disorders of the nervous system and sense organs, circulatory system problems, mental disorders, and problems with the muscles, skeleton or connective tissue. 

Intermittent leave
IBI members also have taken an interest in horror stories about workers' use of "intermittent FMLA leave" -- taking two or more periods of FMLA leave for the same reason.

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Nichole Morford

Nichole Morford
Managing Editor

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