The time off you need to balance and renew.

Time Off: Short Term Disability

The State Farm Short-Term Disability Plan covers all benefits-eligible employees. There are no premiums to pay or enrollment required. The policy provides salary continuation for employees who have approved medical absences, such as recovering from childbirth, surgery, accident or illness lasting more than seven calendar days.

General Information

An employee is considered disabled under the Short Term Disability Plan if the Plan Administrator determines the employee is unable to perform the essential functions of their job due to a personal illness or injury.

Employees who are disabled, as determined by the Plan Administrator, are entitled to the following Disability Benefits, provided the Participant has satisfied the Elimination Period (7 calendar days) and has met all other terms and conditions of the Plan.

Disability Benefits

Employees hired after 9/24/16:
  • Week 1 (Elimination Period) – Employees must use available Paid Time Off (PTO) benefits or, if no PTO benefits available, unpaid leave
  • Weeks 2 through 13 – Employees are paid at 100% of their weekly Covered Earnings
  • Weeks 14 through 26 – Employees are paid at 70% of their weekly Covered Earnings, as permitted by law

Covered Earnings

  • For Participants who are non-exempt (timesheet) employees, Covered Earnings means the Participant's hourly rate multiplied by the hours of approved STD.
  • For Participants who are exempt (salaried/salaried non-exempt) employees, Covered Earnings means the Participant's calculated hourly rate multiplied by the hours of approved STD.


This brief overview of the State Farm Short Term Disability Plan is not intended to be a complete explanation of the program. For more detailed information, please refer to the online Human Resources Policy Manual for U.S. employees.