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Pinned by mods · short-term-disability

Short-Term Disability

The #1 reason mechanics file claims: backs and shoulders. STD replaces 40–70% of your weekly income while you're recovering from surgery, a herniated disc, or a rotator cuff repair — typically for 3 to 6 months. If you're flat-rate or hourly, this is the policy that keeps your mortgage paid.

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What's covered

  • Weekly cash benefit (40–70% of pre-tax income, depending on plan)
  • Back, neck, shoulder, and knee injuries — the four most-claimed by techs
  • Recovery from surgery (rotator cuff, ACL, herniated disc, hernia)
  • Maternity leave with most carriers
  • Mental health leave on most modern policies

Who it's for

  • Flat-rate and hourly techs with little or no PTO
  • Mechanics with prior back, shoulder, or knee issues
  • Owner-operators of mobile rigs whose business stops when they stop
  • Anyone without a 3+ month emergency fund

Top questions from the thread

How quickly do benefits start?

Typical elimination periods are 7 to 14 days for injury, 14 days for illness. We quote the shortest waiting period your budget allows.

Are pre-existing back issues covered?

Most policies exclude pre-existing conditions for the first 6–12 months. We'll be straight with you about which carriers are most lenient for trade workers.

Is this taxable income?

If you pay the premium with after-tax dollars (the standard for individual policies), the benefit is tax-free.