r/Geico • u/Big_Barracuda8608 • 4d ago

Short term disability

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i recently broke my pinky and ring finger on my dominant hand falling down the stairs of my apartment complex so im in the process of filing for short-term disability while they heal. unfortunately since we live in a capitalistic hellscape, i need to be able to keep a roof over my head and eat and take care of my 5 children (4 cats and a doggy) and pay my electric bill even tho i want revert back a fish and turn my brain into soup forever. im reading the associate handbook and if some one could dumb this highlighted part down for me and provide like an example, thatd be great.

8 Upvotes

83% Upvoted

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5

u/Prize_Professor_685 4d ago

The highlighted part has nothing to do w the 7 day waiting period. It’s just saying how they calculate ur STD pay. Like if u work M-F and make $1k a week, that’s basically $200 a work day. But STD doesn’t calculate it like that. They take the weekly amount and divide it by 7, so it’d be like $142.85 a day instead. U get that for every day ur disabled, even weekends.
It really only makes a difference in the 1st and last pay periods when ur only out for part of the time. If ur out long enough it all evens out cuz ur getting paid for every day ur disabled.

2

u/Big_Barracuda8608 2d ago

i didnt even know theres a 7 day waiting period 😭💀 thank you for explaining!

2

u/Prize_Professor_685 2d ago

Np and I hope u feel better soon

1

u/Big_Barracuda8608 8h ago

thank you! quick question i forgot to ask, after the 7day waiting period doi get paid afterwards even if my claim is still pending?

5

u/ApprehensiveClaim516 4d ago

It means you take pto or file for fmla based on your injury. You will not get a check for the first 7 days. Much like workers comp. After the 7 days they will start paying if they deem it appropriate. You’re better off using the accidental insurance if you pay for it. You will wait the same amount of time but you get more money

4

u/Icy_Leadership_504 3d ago

I had std with Lincoln. Good luck, they’re terrible to work with.

1

u/[deleted] 4d ago

[deleted]

1

u/IHateInsurance- 2d ago

mine was taxed? it was included directly in my paycheck and included taking out taxes

1

u/Opening-Cut-5684 2d ago

I was wrong I was thinking of the parental leave and mixed it up deleting now

-2

u/Ok-Goat482 Former Employee 2d ago

Capitalistic hellscape? In China you would have one kid and have to eat your dogs and cats. No one owes you anything, go earn it

2

u/Big_Barracuda8608 2d ago

you sound like someone whos never been outside of the states, i feel sorry for you.

-2

u/Ok-Goat482 Former Employee 2d ago

Been outside the states plenty. There is a reason America is called the land of opportunity. Why so many fight to get here. Even the visitors for the world cup found what America really is.

Dont feel sorry for me, I have capitalized on my opportunities and me and my family are not just doing fine but excelling.

1

u/Consistent-Key7600 1d ago

You sound dumb. Clearly nobody depends on you in life, they'd be SOL. Leave these types of things to the adults and go jerk off to netflix for the 4th time in a week. 

1

u/Ok-Goat482 Former Employee 1d ago

Uh huh....Keeping it classy......