Worksite group short term disability insurance gives employers the chance to offer all eligible employees a way to continue paying their bills in case an unexpected disability prevents them from working. With no evidence of insurability needed if the employee enrolls during the initial eligibility period, group short term disability insurance through the employer is a great way to help protect your income if you become totally disabled due to an off-the-job injury or illness and cannot work.
This benefits the employee and the employer - employees can continue their lifestyle while they rest and get better, and employers are at less risk of losing that employee because they couldn't keep up on their bills.
With group short term disability insurance, the policy is owned by the employer, not the employee. This means the coverage is not portable – employees may not keep the coverage if they leave their employer.