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Get Short-Term Disability Certification Online Today

Medically reviewed by Dr. Jason Buchwald, Board Certified MD — Last updated March 2026
A board-certified provider evaluates your condition and completes your short-term disability paperwork — including state programs, employer plans, and private insurance claims.
Fully licensed doctors
100% Money-Back  Guarantee
4.8/5
from 250,000+ patients

ACCEPTED BY ALL MAJOR EMPLOYERS

What Is Short-Term Disability?

Income replacement — not job protection. That's the core distinction.
Short-term disability (STD) is insurance that replaces a portion of your income when a medical condition prevents you from working. It is not job protection — that's what FMLA provides. And unlike workers' compensation, short-term disability covers non-work-related conditions: illnesses, injuries, surgeries, pregnancy, and mental health conditions that happen outside the workplace.
What You Get Paid
50–70%
of your base salary
STD Benefit
Gap
Your full salary
Capped by plan or state maximum
How Long It Lasts
3-6
months
Most employer plans. State programs vary — California's SDI can last up to 52 weeks.
Day 1
7-14 days
3 months
6 months
Benefits don't start on day one — there's a 7-14 day waiting period

Where Does Coverage Come From?

EMPLOYER BENEFIT

Employer Short-Term Disability

An insurance benefit your employer provides (or you purchase through work) that replaces 50-70% of your wages when a medical condition prevents you from working. Typically lasts 3-6 months.
WHAT DOES EMPLOYER STD COVER?
Your own illness or injury
Pregnancy and postpartum recovery
Surgery and recovery periods
Mental health conditions
STATE LAW

State Disability Insurance (SDI/TDI)

Five states and Puerto Rico mandate disability insurance programs funded through payroll deductions. These provide partial wage replacement when you can't work due to a non-work-related illness or injury.
STATES WITH MANDATORY PROGRAMS
California (SDI) — up to 52 weeks
New York (DBL) — up to 26 weeks
New Jersey (TDI) — up to 26 weeks
Rhode Island (TDI) — up to 30 weeks
Hawaii (TDI) — up to 26 weeks
INDIVIDUAL POLICY

Private Short-Term Disability Insurance

An individual policy you purchase directly from an insurance company — not through your employer. Ideal for self-employed individuals, gig workers, or anyone whose employer doesn't offer STD coverage.
What Does FMLA Cover?
You choose your benefit amount and waiting period
Portable — stays with you if you change jobs
Available to self-employed and freelancers
Benefits are tax-free (you paid premiums with after-tax dollars)
Federal Law

FMLA - Protects Your Job

Up to 12 weeks of leave where your employer must hold your position and continue your health benefits. Take it all at once, intermittently, or as a reduced schedule.
What Does FMLA Cover?
STD pays you while you're off work
FMLA protects your job and health insurance
They run concurrently (same 12 weeks)
TrustMedical certifies both in one visit
FMLA eligibility checker on mobile phone

Who Qualifies for Short-Term Disability?

Eligibility depends on your employment status, your plan's specific terms, and whether your condition meets the definition of "disability" under your coverage.
01

You must have a qualifying medical condition.

Your condition must prevent you from performing the material duties of your specific job — not just any job. This is called the "own occupation" standard and it's how most STD plans define disability.
02

You must be employed (or recently employed).

Most employer plans require you to be actively employed when the disability begins. State programs typically require a minimum earnings history — for example, California SDI requires $300 in wages during a base period.
03

There's a waiting period before benefits start.

Called an "elimination period," this is typically 7-14 days for illness and sometimes 0 days for accidents or hospitalizations. Benefits don't start on day one.
04

Pre-existing conditions may be excluded.

Many employer plans exclude conditions you were treated for in the 3-12 months before your coverage began. Check whether this limitation applies to your plan.
05

You need medical certification from a licensed provider.

A licensed healthcare provider must document your diagnosis, functional limitations, treatment plan, and expected duration. This is the most critical document in the entire process.
Not sure if you qualify? TrustMedical evaluates your situation and identifies every program you're eligible for in a single visit.

From Initial Approval, to Return to Work We've Got You

Most services hand you forms and disappear. We stay with you through every step.

Real Evaluations by Board Certified Providers

Take our 3 minute quiz, then meet with a licensed provider via video. They evaluate whether you qualify for FMLA, Paid Leave, Disability, ADA Accommodations.

Forms Completed in 48hrs.
Never Miss an HR Deadline.

All forms are completed in 48 hours guaranteed.
Submit forms on time, every time.

HR Has Questions? We Handle It.

If your employer needs clarification, or changes - We take care of it at no extra cost. Free modifications, forever.
One Visit. Everything Handled.
Most people qualify for multiple programs but don't know it. Trust Medical figures out what applies to you and handles all the documentation in one 15-minute video consultation.
Short-Term Disability Certification
(income replacement)
FMLA Certification
(job protection)
Paid Leave Documentation
(state wage replacement)
ADA Accommodation Letters
(workplace changes)
Return-to-Work Clearance
(when you're ready)
One Time Flat Fee
No Subscriptions
35% Discount - Limited Time!
$174.99
$269.99
100% money-back guarantee if not approved

What Situations Does Short-Term Disability Cover?

Coverage depends on your state, your employer, and your specific situation. Here's a quick breakdown of what's typically covered by each program.
Your Situation
Employer
STD
Paid Family
Leave
State
Disability
FMLA
Maternity Leave
Time off for pregnancy, childbirth, and recovery
Yes
Yes
Yes
Yes
Paternity Leave
Time off for fathers to bond with a new child
No
Yes
No
Yes
Caring for a Sick Family Member
Spouse, child, or parent with a serious health condition
No
Yes
No
Yes
Your Own Serious Illness
Cancer, surgery recovery, chronic condition flare-up, etc.
Yes
Some states
Yes
Yes
Mental Health
Anxiety, depression, PTSD, burnout, or other conditions
Yes
Some states
Yes
Yes
Bereavement
Time off after the death of a family member
No
No
No
No
Sick Leave (Short-Term)
A few days off for cold, flu, or minor illness
No
No
No
No
Adoption / Foster Care
Bonding time with a newly placed child
No
Yes
No
Yes
Covered
Depends on state
Not covered by this program
Not sure which programs cover your situation?
TrustMedical evaluates you for all programs in one visit — one price.
HELPING YOU SAVE MONEY

Many Health Insurers Reimburse up to 100%

We provide a superbill you can submit to your insurance for reimbursement. Many patients pay $0 out of pocket.

Real Stories From Real Patients

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Verified TrustMedical patient review
Kelsey B.
‍Pennsylvania
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March 24, 2025
A service you can trust!
"My entire experience was easy, quick & extremely pleasant! Now the BEST part is you're dealing with REAL HUMAN BEINGS! I will absolutely recommend My Trust Medical to everyone..hopefully you all have the pleasure of having Michael &/or James in your corner as I had today! They are both dolls!"
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Wesley B.
Alabama
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April 8, 2025
The customer service was awesome
"Recently received a note from Trust Medical and the service was incredible! The note was delivered to me promptly and I even received exceptional support for a follow-up concern!"
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Maria G.
South Carolina
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March 21, 2025
They take away the stress.
"I genuinely love this website. It’s the second time I used it and I never been more grateful that something like this exists. It goes through a legit doctor so you don’t have to worry about false documents. And it literally the cost of me same amount as my co-pay without any extra charge."

Backed by the country's leading Medical Leave & Labor Law Experts

Trust Medical's world-leading experts and advisors enable us to deliver high-quality doctors notes, medical leave evaluations, certifications, and support at scale. Their combined medical and labor law expertise guides our standards and makes it easier for millions of patients to take the time they need to fully recover and get back to their day to day lives.
Board-certified 20+ years experience in medical specialties
Industry innovations Published studies in top medical journals
Policy expertise Deep knowledge of FMLA, ADA, and state leave laws
Board-certified FMLA healthcare provider
Dr. Jason Buchwald
Board Certified MD — Emergency Medicine
Emergency medicine specialist with deep expertise in acute care evaluations and medical certifications.
DNP Frankie Freida
Board Certified DNP
Family medicine specialist with expertise in primary care evaluations, chronic condition management
Board-certified FMLA healthcare provider
Dr. Benjamin Wallace
Board Certified DO — Emergency Medicine
Specializes in emergency medicine with expertise in  virtual care and preventive medicine.
APRN Jessica McGlone
Board Certified NP
Family medicine specialist with deep expertise in primary care evaluations and medical certifications.
Babak Daftari, MD
Board Certified Doctor
Specialize in pediatric cardiology and also work as a pediatric urgent care physician.
DNP Dr. Peggy Eribenne
Board Certified Family Medicine
Family medicine specialist with expertise in primary care evaluations, chronic condition management
Board-certified FMLA healthcare provider
Dr. Abhishek Patel
Board Certified DO — Osteopathic Medicine
Whole-patient approach specialist focused on musculoskeletal conditions, chronic pain, and rehabilitation.
DNP Jessica Ramos
Board certified in family medicine
Family medicine specialist with expertise in primary care evaluations, chronic condition management
STATE PROGRAMS

Does Your State Require Disability Insurance?

Five states require employers to provide disability coverage through payroll-funded programs. If you work in one of these states, you likely already have coverage — even if your employer doesn't offer a private plan.
See full state-by-state breakdown

How to File a Short-Term Disability Claim

The process is straightforward, but the details matter. Here's what to do step by step.

Notify Your Employer or HR Department

Let them know you need to take disability leave. They'll direct you to the appropriate insurance carrier or state program and provide any employer-specific forms.

Request Claim Forms

Get the required forms from your employer's insurance carrier (e.g., MetLife, Guardian, Hartford), your state disability agency, or your private insurance company. Most have an employee section and a medical provider section.

Have Your Medical Provider Complete the Certification

This is the most critical step. Your provider must document your diagnosis, explain how your condition prevents you from performing your job duties, outline your treatment plan, and provide an expected return-to-work date.

Submit the Completed Claim

Send all completed forms to your insurance carrier or state agency. Keep copies of everything. Most carriers accept submissions online, by fax, or by mail.

Wait for Determination

Typical processing time is 1-3 weeks for employer plans and 2-4 weeks for state programs. The carrier may request additional medical documentation during this period.

Benefits Begin After the Elimination Period

If approved, benefits start after your plan's waiting period (typically 7-14 days from the date of disability). Payments are usually made weekly or biweekly via direct deposit.
1
2
3
4
5
6
Board Certified Providers
Thorough clinical assessments that meet carrier requirements
The medical certification is the most important part of the process. Incomplete or vague documentation is the #1 reason claims get denied.
vaginal delivery
~6
weeks
typical STD coverage
c-section
~8
weeks
typical STD coverage

Short-Term Disability for Pregnancy & Maternity Leave

Pregnancy is one of the most common reasons people use short-term disability. Most plans cover approximately 6 weeks for vaginal delivery and 8 weeks for c-section, though exact duration varies by your specific employer plan or state program. Coverage typically begins after a 7-14 day waiting period. Complications like preeclampsia or bed rest may extend coverage further.
How maternity STD works with other programs
FMLA
Protects your job for 12 weeks while STD pays you
Paid Family Leave
Can extend paid time off for bonding after STD ends
State Disability
In CA, NY, NJ, RI, HI — state program may provide benefits instead of/in addition to employer STD
Your provider handles STD, FMLA, and state paid leave documentation in a single visit.

Short-Term Disability for Mental Health

Mental health conditions are covered by short-term disability — just like any physical illness. Here's what qualifies and how the process works.
Conditions that qualify
Major depression
Generalized anxiety disorder
PTSD & trauma disorders
Bipolar disorder
Severe burnout
Panic disorder
OCD (when it impairs work)
What you'll need
Medical certification from a licensed provider
Documentation that the condition impairs your ability to work
Treatment plan (therapy, medication, or both)
Your provider's clinical assessment of severity
TrustMedical providers specialize in mental health disability certifications — no stigma, no judgment, just proper documentation.
Most people qualify for both — and TrustMedical handles both certifications in one visit.

Short-Term Disability vs. FMLA

They're different programs that solve different problems — but they work best together.
Purpose
Replaces your income
Protects your job
Paid?
Yes — 50-70% of wages
Protects your job
Duration
3-6 months (varies)
12 weeks
Source
Employer, state, or private
Federal law
Covers
Your own medical condition
Own + family care + bonding
Employer size
No minimum (depends on plan)
50+ employees

What about Long-Term Disability?

Short-Term
→
3-6 months
→
50-70% of salary
→
7-14 day wait
→
Temporary conditions
Long-Term
→
Years or until retirement
→
50-60% of salary
→
90-180 day wait
→
Chronic/permanent conditions

Why Claims Get Denied — And What to Do About It

Most denials are preventable. Here are the top reasons — and how to fight back if it happens.
Missing or late paperwork
TrustMedical completes all forms within 48 hours
Pre-existing condition exclusion
We document your condition to navigate exclusion clauses
Insufficient medical documentation
Our providers write detailed clinical assessments
Condition doesn't meet plan definition
We tailor documentation to your plan's specific standard
If your claim is denied, here's what to do:
1
Request the denial in writing
You have the right to the specific reason — not just a generic letter.
2
File a formal appeal within 180 days
ERISA plans allow 180 days. State programs have their own timelines (typically 20-30 days).
3
Gather additional documentation
Updated medical records, functional capacity evaluations, treatment notes, and test results.
4
Get a supplemental provider statement
A detailed letter directly addressing the denial reason is often the difference.
Need help with an appeal? TrustMedical providers can review your denial and prepare supplemental medical documentation — including detailed functional assessments and provider statements that address the specific reason for denial.
180
Days to file an appeal (ERISA)
#1
Denial reason: insufficient documentation

FAQ

What factors affect FMLA or paid leave approval?

FMLA approval depends on a few key factors:

1. Employment eligibility
You must have worked for your employer long enough and be working for an employer that is covered under FMLA. Employers with more than 50 employees are covered under FMLA.

2. A qualifying medical condition
Your leave must be for a condition that qualifies under FMLA. A licensed healthcare provider must evaluate your situation and certify that you meet one of these qualifying conditions.

If both of these criteria are met, your employer is required to grant FMLA leave. The employer’s role is to review the certification for completeness and administer the leave, not to change the requirements. Paid leave approval is dependent on your state specific rules and requirements.

93% of customers who apply for FMLA through Trust Medical receive it and over 80% qualify for additional protections. Additionally, for all customers who receive medical certifications from Trust Medical 98% have no issues when submitting their documentation to their employers.

What conditions qualify for FMLA, Paid Leave, or Disability Certification?

Most physical and mental health conditions qualify for at least one type of leave protection. The same condition often qualifies for multiple programs simultaneously. This includes, FMLA for job protection, state paid leave for income replacement,  and disability for extended coverage. Here's how each works.  
‍
Conditions That Qualify for FMLA
‍

- Birth and care of a newborn child.
- Adoption or foster care placement of a child.
- Care for a spouse, child, or parent with a serious health condition.
- The employee’s own serious health condition that prevents them from attending work.

>90% of Trust Medical's patients get FMLA for their own serious health condition.

Conditions That Qualify for State Paid Leave                    
‍
It depends on the state because each has its own forms and requirements. That said, the qualifying conditions for state paid leave are broadly similar and typically include: your own serious health condition, caring for a family member, bonding with a new child, or pregnancy-related needs.
‍
Thirteen states plus DC currently have paid family and medical leave programs. These states are: California, New Jersey, Rhode Island,  New York, Washington, Massachusetts, Connecticut, Oregon, Colorado, DC, Delaware, Minnesota, and Maine. Maryland  launches in 2028.

‍Conditions That Qualify for Disability Certification            
‍
 The conditions that qualify for disability are broadly similar to paid leave and FMLA. The conditions include:
‍
- Pregnancy and childbirth recovery (4-6 weeks vaginal delivery, 6-8 weeks C-section)
- Surgery recovery  
- Severe injuries
- Mental health conditions including depression, anxiety, and PTSD
- Chronic condition flares (migraines, fibromyalgia, lupus)
- Cancer treatment

Five states have mandatory disability programs (California, New York, New Jersey, Rhode Island, Hawaii), while many employers offer private short-term disability insurance. Disability benefits typically replace 50-90% of your wages  for up to 26-52 weeks depending on the program.

Can I get FMLA, Paid Leave, or Disability for mental health?

Yes. Anxiety, depression, PTSD, and other mental health conditions qualify if they meet the "serious health condition" criteria, meaning you need continuing treatment from a healthcare provider. This includes conditions requiring medication, regular therapy, or that prevent you from working for 3+ days.

51% of Trust Medical patients get FMLA and paid leave for mental health. We can help you even if you don't have a preexisting diagnosis.

Take our pre-qualification quiz to see if your mental health condition qualifies for FMLA and Paid Leave.
Can you help if my FMLA or Paid leave needs to start retroactively (in the past)?

If you’re requesting an FMLA or paid leave certification with a start date further in the past, we’ll need existing medical documentation that shows you were evaluated or treated during that earlier period. This is required to ensure the certification is accurate and compliant.

How quickly will I get my completed FMLA or Paid Leave forms?

We complete FMLA or Paid Leave forms within 24 hours of your consultation with the healthcare provider.

Can the healthcare provider help me if I don't have a diagnosis yet?

You don’t need a formal diagnosis to qualify for FMLA or Paid Leave. The healthcare provider will focus on understanding what you’re going through and whether your situation qualifies for protected leave. While they don’t diagnose or treat, they can help certify your leave and guide you toward appropriate next steps so you can take time off and focus on feeling better.

What medical certification services do you offer?

We offer online FMLA, Paid Leave, and Disability certification. This includes the following:

- Intermittent FMLA Certification
- Continuous FMLA Certification
- Reduced Schedule FMLA Certification
- Return to Work Forms
- Paid Leave Forms
- Employer Short Term Disability
- State Disability
- ADA
‍

Each service requires a 10-minute video consultation with one of our board-certified healthcare providers and we have a 98% acceptance rate with employers given our adherence to a high standard of medical care as well as professional documentation. We also have 4.8 stars on Trust Pilot from thousands of patient visits.

How does the process for FMLA, Paid Leave, or Disability certification work with Trust Medical?

Here’s the step-by-step process:

Complete the medical intake: This is a short form that helps us expedite your consult.

‍Book a 10-minute video appointment: Choose a time that works for you.

‍Attend your video consultation: During the 10-minute video visit, the healthcare provider will discuss your condition, and treatment options if needed. They will also inform you on the call whether you qualify for FMLA, paid leave, or any other programs. They will also let you know if there are any steps you need to take in order to qualify.

‍Receive your paperwork: Your completed certification paperwork will be provided to you within 24 hours of the video visit.

How do I book an appointment?

To book an appointment, simply visit our website, complete the intake, pay a $50 deposit to reserve your spot, and schedule your 10-minute video consultation with one of our Board-Certified healthcare providers. After booking, you’ll receive an email with further instructions, including the intake form and portal registration.

How can I access my completed FMLA, Paid Leave, or Disability paperwork?

Your completed certification paperwork will provided to you via email within 24 hours after your video visit. You will have 24/7 access to this information.

What does the verification process for employers look like?

Employers can verify certifications through our dedicated employer verification line here: 844-282-2731. This line is staffed from 8am-8pm, Monday through Sunday. by real humans who are deeply experienced in medical leave, fmla, paid leave, and disability. Your employer can use our verification process to confirm the authenticity of the forms and that they were issued from our offices.  During the employer verification call we maintain your medical privacy per healthcare privacy regulations.

What sets Trust Medical apart?

People trust us because Trust Medical is built for every person who touches your medical certification.

Your HR team gets a complete, properly formatted document with everything they need to process your leave without follow-up. Your employer gets documentation that meets Department of Labor standards. And you get peace of mind as well as guidance on how to take time off to take care of your health and come back stronger.

We have a team of board certified medical providers, labor law experts, and medical leave specialists who are deeply experienced in navigating the complexities of FMLA and Paid Leave to make sure you can take time off and rest easy that your job is protected and you have the income you need to get through your medical situation.

Every medical certification we produce includes the clinical detail, diagnostic specificity, and functional limitation language that employers and HR professionals expect to see. We don't cut corners and that's why we offer a 100% money-back guarantee. Not because things go wrong, but because we're that confident in what we deliver.

What if I need to extend my leave and take additional time off?

We have follow up appointments available if you need to extend your leave.

Follow-up video appointments are available for $144.99. A follow-up may be recommended if you need additional time off to make progress in your recovery. During a follow-up, the healthcare provider reassesses your situation and, if appropriate, can update or extend your certification.

How much time can I take off with FMLA?

Up to 12 weeks in a 12-month period for most qualifying reasons. Military caregivers can take up to 26 weeks. You can take it all at once, or intermittently (a few days/hours at a time) for chronic conditions. The 12 weeks resets based on your employer's chosen method (calendar year, your anniversary, etc.).

Do I need to pay for the entire service up front?

There is an initial $50 booking fee to secure your appointment. The remaining balance will be charged after your video consultation.

Do you accept insurance?

No, our services are self-pay only. We do not bill insurance providers, and all payments are made out of pocket. We strive to keep our prices transparent and affordable.

Do you get paid for FMLA?

No, FMLA itself is unpaid. However, you can use accrued PTO, sick leave, or vacation days during FMLA. Additionally, some states have separate paid family leave programs, state disability programs, and you might also qualify for short-term disability benefits through your employer. Trust Medical can help you with certification for paid leave or disability.