The Club Insurance Corner: What Is Short-Term Disability Insurance?

by Noelle Kauffman, Director of Sales
(CA License No: 0H45598)

Short-term disability (STD) insurance provides income replacement if you’re temporarily unable to work due to a non-work-related illness or injury. Whether it’s recovering from surgery, complications from pregnancy, or a debilitating condition like cancer or severe back pain, STD helps you stay afloat financially while you focus on healing.

Why You Might Need It Sooner Than You Think

According to the Social Security Administration, more than 1 in 4 workers will become disabled before reaching retirement age. While that stat often brings to mind long-term disability, short-term conditions are far more common—and often just as disruptive. A sprained knee, stress-related burnout, or postpartum recovery can keep someone out of work for weeks or months.

Without STD insurance, many people must rely on limited savings or credit cards to survive during that time. For households living paycheck to paycheck, even a few weeks without income can result in mounting bills and financial crisis.

How The Club’s Short-Term Disability Insurance Protects You

Here’s what makes the Club’s STD coverage essential:

• Pays you for illnesses or injuries off the job
• Benefits are tax free
• Pays on top of any other disability/income
• 14 days elimination period
• 12-month benefit period
• Protects up to 65 percent of your gross monthly pay
• Waiver of premium after 90 days of total disability
• Affordable premiums at group rate prices
• Automatic payroll deduction 

Contact a Club Counselor today by emailing help@employeesclub.com for more information, a quote, and the simple application. 

You’ve taken care of Los Angeles. Now let us take care of you.
To speak with a Club Counselor today, email help@employeesclub.com

Your Club Retirement Experts

We’re here to serve you!

Update your benefits and get all of your questions answered by booking a one on one or group presentation appointment with your colleagues at your job site.

Email help@employeesclub.com to request a Counselor visit today! 

Resources for Club Retirees or Those About to Retire

For ACTIVE MEMBERS

Special Election Set for LACERS Board Employee Member

Are you an Active LACERS Member?  Would you like to run for a seat on the Board of Administration? If you answered “yes” to both questions, you will need to take the first step and file a nominating petition. Deadlines are fast approaching, so be sure to visit the LACERS Election webpage  at lacers.org/board-member-elections today!

Ready to Retire? Use the Decision Sheet

The Retirement Decision Sheet is a guide for important decisions to be made during the retirement process. Service Retirement Unit (SRU) Counselors at LACERS often utilize these sheets during counseling appointments with members, and based on months of usage, changes have been made to create a new, improved decision sheet. Check it out at this link:

https://www.lacers.org/sites/main/files/file-attachments/decision-sheet_fillable-form_0.pdf1621270182&utm_campaign=&utm_medium=email&utm_source=bundle_and_blast

LACERS is committed to helping its members achieve the best retirement possible.

Sign Up for Retirement Benefits Seminar

Here are the upcoming programs to help with your planning.

Learn about your retirement options and benefits at an upcoming Planning for Retirement webinar, hosted by the LACERS Member Engagement team. Register via your MyLACERS account. Upcoming dates include:

Tues., Aug. 5 (webinar)
Sat., Aug. 16
Thurs., Aug. 28 (webinar)
Wed., Sept. 3 (Tier 3) (webinar)
Tues., Sept. 9 (webinar)
Thurs., Sept. 18 (webinar)
Sat., Sept. 27

Check the LACERS calendar as events are scheduled.
Webinars/events begin at 9 a.m.

 Applying for Retirement Online

Members are encouraged to submit their retirement application 60 days before their retirement date when using LACERS’ new Retirement Application Portal (RAP). The RAP is a great asset to LACERS Members that helps to streamline the retirement process. While the filing period is within 30 to 60 days of your retirement date, starting your application early and submitting it on the first day you can at the 60-day-prior mark, will allow for a couple of benefits. These include having ample time to discover any complications and address them without having to move your retirement date, as well as ensuring LACERS staff has time to meet your retirement date request.

For example, if your desired retirement date is Dec. 27, 2025, you would have aimed to submit your retirement application in the portal on Oct. 28, 2025. For more information, please visit lacers.org/applying-retirement.

MEMBER DEAL