Short-term disability. Personal time off (PTO). Sick leave.

How do these programs fit together? And who's accountable for helping the employer make sure their sick pay programs coordinate? You might be surprised to hear my answer: It's you.

Yes, creating a comprehensive sick pay program is in the employer's court. But as their advisor, you can help ensure your clients' short-term disability benefits align with their objectives and fit within their overall plan. This is important, because when not structured properly benefits may overlap, and that limits the value they're intended to provide.

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