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How To Make Extra Money While On Short Term Disability?

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Many individuals on short-term disability may find themselves in need of extra income. This blog post explores various ways to make extra money while on short-term disability, including freelancing, starting an online business, participating in paid surveys, and more. It also provides tips for managing time and energy effectively, as well as considerations and precautions to keep in mind when earning extra money while on short-term disability.


Short-term disability can be a challenging time for individuals who are unable to work due to illness, injury, or other medical conditions. While short-term disability benefits provide financial support during this period, they may not always cover all expenses and leave some individuals looking for ways to make extra money.

In this article, we will explore various strategies and opportunities that can help you earn additional income while on short-term disability. Whether it’s freelancing from home or starting an online business, there are options available that allow you to generate revenue without compromising your recovery process.

Understanding the intricacies of short-term disability pay is crucial before exploring these avenues further. Additionally, it’s important to consider any potential implications earning extra money might have on your existing benefits package.

Join us as we delve into different methods of making extra money while on short-term disability and discover how you can navigate through this challenging phase with financial stability in mind.

Understanding Short-Term Disability

Short-term disability is a type of insurance coverage that provides income replacement for individuals who are unable to work due to a temporary illness, injury, or medical condition. It offers financial support during the recovery period when an individual cannot perform their job duties.

How does short-term disability work?

When you have short-term disability coverage through your employer or private policy, you can file a claim if you become temporarily disabled and are unable to work. The process typically involves submitting documentation from your healthcare provider confirming your inability to perform essential job functions.

Once approved, short-term disability benefits will be paid out on either a weekly or bi-weekly basis. These payments usually amount to around 60-70% of your regular salary but may vary depending on the specific terms of your policy.

How long does short-term disability last?

The duration of short-term disability benefits varies based on several factors such as the nature and severity of the disabling condition and state regulations. Typically, it lasts anywhere from three months up to six months; however, some policies may provide coverage for shorter periods like one month while others extend beyond six months.

It’s important not only to understand how long these benefits last but also any waiting periods before they kick in after becoming disabled. Some policies require employees first exhaust sick leave days before accessing their full benefit entitlements under this program.

What are the eligibility requirements for short-term disability?

Eligibility criteria differ between employers’ plans and private policies since there isn’t one universal standard across all providers. Generally speaking though:

  1. You must be employed by an organization offering this benefit (for employer-sponsored plans).
  2. Your employment status should meet certain minimum hours worked per week/month thresholds.
  3. There might be pre-existing conditions clauses which exclude disabilities related directly/indirectly with those existing prior taking up coverages.
  4. In most cases, you need certification from a qualified healthcare provider stating that you are unable to work due to a medical condition.
  5. Some policies may require employees first exhaust sick leave days before accessing their full benefit entitlements under this program.

It’s important for individuals considering short-term disability coverage or filing a claim to carefully review the specific requirements outlined in their policy documents and consult with HR representatives, insurance agents, or legal professionals if they have any questions.


Short-Term Disability Pay

Short-term disability provides financial support to individuals who are unable to work due to a temporary illness or injury. However, the amount of pay you receive during this period may vary depending on several factors.

How much do you get paid on short-term disability?

The payment for short-term disability is typically a percentage of your regular salary. The exact percentage can differ based on your employer’s policy and the terms outlined in your employment contract. Some employers offer full salary replacement during the duration of short-term disability, while others provide only a portion of it.

Can you work while on short-term disability?

In most cases, working while receiving benefits from short-term disability is not allowed. This restriction ensures that those with legitimate disabilities have time off to recover without any additional stressors or responsibilities at work.

What happens if you earn extra money while on short-term disability?

If an individual earns extra income through other means such as freelancing or part-time jobs whilst being covered by their employer’s insurance plan for short-term disability, it may impact their benefits. It is important to check with your disability insurance provider to understand the specific rules and regulations regarding earning additional income while on short-term disability.


Ways to Make Extra Money While on Short-Term Disability

Freelancing and Remote Work Opportunities:

One way to make extra money while on short-term disability is by taking advantage of freelancing and remote work opportunities. Many companies are now offering flexible working arrangements, allowing individuals with disabilities to work from the comfort of their own homes. Websites like Upwork, Freelancer, and Fiverr provide platforms for freelancers to showcase their skills and find clients who need various services such as writing, graphic design, programming, or virtual assistance.

Starting an Online Business:

Another option is starting your own online business. With low startup costs compared to traditional brick-and-mortar businesses, launching an e-commerce store or providing digital products/services can be a viable income-generating venture during your period of disability. Platforms like Shopify or Etsy offer user-friendly interfaces that allow you to set up shop quickly without extensive technical knowledge.

Participating in Paid Surveys and Market Research Studies:

If you have some spare time while recovering from a short-term disability but may not have the energy for full-time work commitments yet still want additional income streams; participating in paid surveys or market research studies could be worth considering. Companies often seek consumer opinions through these channels before releasing new products or making marketing decisions. Websites such as Swagbucks.com, Survey Junkie, Toluna Opinions, etc., connect users with survey opportunities where they earn rewards points redeemable for cash via PayPal transfers or gift cards at popular retailers.

Renting out Assets Or Properties:

Do you possess any assets that aren’t being utilized? Renting them out can help generate passive income even when unable physically active due temporary health issues. For example, if owning property consider listing it on Airbnb platform which allows homeowners to rent rooms or entire properties to travelers looking for accommodations. Similarly, if having equipment or tools rarely used, renting those items to local community members might prove a profitable endeavor too!

Monetizing Hobbies And Skills:

If you have a hobby or skill that can be monetized, this is an excellent opportunity to make extra money while on short-term disability. For example, if you are skilled in crafts such as knitting or jewelry making, consider selling your creations online through platforms like Etsy. Alternatively, if having expertise in certain subjects, you could offer tutoring services either locally via word-of-mouth referrals or by advertising on websites like Tutor.com or Wyzant.

Taking On Part-Time Or Temporary Jobs:

Lastly, taking on part-time or temporary jobs can provide additional income during the period of short-term disability. Many industries require seasonal workers for events and holidays which may align with your recovery timeline. Consider reaching out to local businesses to inquire about any available positions they might need filled temporarily.

Remember to consult with healthcare professionals before taking up any work commitments to ensure it doesn’t hinder the healing process or jeopardize long-term health outcomes.

Tips for Making Extra Money While on Short-Term Disability

Prioritizing your health and recovery:

When you are on short-term disability, it is crucial to prioritize your health and focus on recovering. However, if you feel well enough to take up some work or make extra money during this time, here are a few tips to consider.

Managing your time and energy effectively:

While managing both work responsibilities and taking care of yourself may seem challenging while on short-term disability, effective time management can help alleviate the stress. Create a schedule that allows for sufficient rest periods between tasks or assignments. Prioritize essential activities related to your recovery first before dedicating any remaining energy towards making extra money.

Finding flexible and accommodating work options:

Look for job opportunities that offer flexibility in terms of hours worked or location requirements. Remote jobs allow individuals with disabilities more control over their working environment while minimizing physical strain associated with commuting. Part-time positions also provide an opportunity to balance earning income without overwhelming oneself physically or mentally.

Utilizing online platforms and resources:

The internet offers numerous avenues for making extra money from home through various online platforms such as freelancing websites (e.g., Upwork), content creation sites (e.g., Medium), tutoring services (e.g., VIPKid), survey panels (e.g., Swagbucks), etc. These platforms enable individuals with disabilities who might have limited mobility access diverse sources of income based upon their skillset.

Networking and leveraging personal connections:

Reach out within professional networks like LinkedIn groups specific industries forums where people share similar interests. Networking helps create potential business partnerships collaborations which could lead new employment opportunities even when one is not actively looking.

Remember always consult healthcare professionals regarding what kind workload would be suitable given individual’s medical condition.

Considerations and Precautions

Checking with your disability insurance provider:

Before you start exploring ways to make extra money while on short-term disability, it is crucial to check with your disability insurance provider. Each policy may have different rules and regulations regarding earning additional income during the benefit period. Contacting them will help ensure that you are aware of any restrictions or limitations.

Understanding the impact on your benefits:

Earning extra money while receiving short-term disability benefits can potentially affect the amount of financial support you receive from your insurer. It’s important to understand how this additional income might impact your benefits so that there are no surprises down the line.

Reporting additional income accurately:

When reporting any earnings made during a period of short-term disability, accuracy is key. Make sure to keep detailed records of all sources of income earned while being mindful not only about what needs to be reported but also when it should be reported according to guidelines provided by both state laws and individual policies.

Seeking professional advice if needed:

If navigating through these considerations seems overwhelming or confusing, seeking professional advice could provide clarity in understanding how making extra money might influence one’s specific situation as well as ensuring compliance with relevant legal requirements related specifically towards individuals who are currently under temporary medical leave due either illness/injury-related reasons such as those covered within Short-Term Disability Insurance coverage plans offered by employers across various industries nationwide today.

Frequently Asked Questions

Can I work while on short-term disability?

While it is possible to work while on short-term disability, there are certain limitations and considerations. The purpose of short-term disability benefits is to provide financial support during a period when you are unable to perform your regular job duties due to illness or injury. However, engaging in any form of employment may impact your eligibility for these benefits.

How much can I earn while on short-term disability?

The amount you can earn while receiving short-term disability benefits depends on the specific terms and conditions outlined by your insurance provider or employer’s policy. In most cases, earning additional income beyond a certain threshold may result in a reduction or complete loss of your benefit payments.

Will earning extra money affect my short-term disability benefits?

Yes, earning extra money has the potential to affect your eligibility for and the amount of payment received through Short-Term Disability (STD) coverage. It is crucial that you review the terms and conditions provided by both STD insurance providers as well as state laws regarding supplemental earnings during this time frame before accepting any paid opportunities.

What are some legitimate work-from-home opportunities?

There are several legitimate work-from-home opportunities available that could be suitable if you’re currently receiving Short-Term Disability (STD). Some options include freelancing roles such as writing, graphic design, virtual assistance services; online tutoring positions; customer service representative jobs with remote capabilities; transcriptionist roles among others.

It’s important however not only consider whether they align with medical restrictions but also consult relevant parties like healthcare professionals & insurers about their implications towards ongoing claim status under STD policies prior taking up new assignments/roles.

How can I find part-time or temporary jobs that accommodate my disabilities?

Finding part-time or temporary jobs accommodating individuals’ disabilities requires careful research along with considering personal abilities & constraints:

  1. Consulting local vocational rehabilitation agencies who specialize in assisting disabled individuals seeking employment
  2. Exploring job boards and websites that specifically cater to individuals with disabilities
  3. Networking within disability support groups or communities for potential leads on suitable opportunities.
  4. Reaching out directly to companies known for their inclusive hiring practices.

Remember, it’s important to communicate your specific needs during the application process so employers can assess whether they are able to accommodate them.


  1. https://www.reddit.com/r/legaladvice/comments/73iplr/earning_extra_money_while_on_shortterm_disability/
  2. https://money.com/short-term-disability-pay/
  3. https://www.reddit.com/r/Frugal/comments/14g7vrl/making_money_while_on_short_term_disability/

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