Slips, trips, and falls get a lot of attention in the workplace. The loss of productivity as a result of accidents can have an effect on an organization’s bottom line. However, employees and those who are self employed also can lose a lot if they don’t get sick leave or vacation leave to cover the lost income as a result of being sick or getting injured off the job. Employees and the self employed need to cover the risks just like employers do. Employees and the self employed need to carry short-term disability insurance.
As a worker you may not be able to remember a time you got sick and lost income as a result. Having a plan for short-term disability is still a good idea especially if you don’t have a generous employer-provided benefits package. If you don’t have sick leave or annual leave to cover your time away from the job your loss of income could sink your household. Disability insurance is not very expensive if it is offered through your organizations benefits package. Check with your Human Resources Office to see if disability insurance is offered in your organization.
Employers should encourage workers to have disability insurance. Having better educated and prepared employees add value to the organization. Many governments and small businesses offer preparedness training programs for free or reasonable cost. Preparedness training programs encourage employee to think “outside the box” in many ways and it can spur creative thinking that can benefit the organization while benefitting employees. Being prepared increases satisfaction and reduces negative feelings which act as a drain on worker performance. If you need preparedness training or would like to have a preparedness discussion for your employees checkout my website http://www.ejones224.moonfruit.com/ and contact me via email at firstname.lastname@example.org.