Can you collect short term disability for elective rotator cuff surgery an injury not received on the job?

Yes, if the terms of the policy allow for it. Generally, short term disability insurance is applied for by the employer and pays a percentage of the employee's salary if they are unable to work due to illness, injury, or pregnancy. Short-term disability insurance can also be purchased by individuals directly from insurance companies.

Depending on the plan and policy terms, short-term disability insurance may cover elective surgeries, such as a rotator cuff surgery that was not received on the job. However, it's important to check the specific terms and conditions of the policy to see if such surgeries are covered. Some policies may have exclusions or waiting periods for elective surgeries, or may only cover certain types of elective surgeries.

If the surgery is covered by the short-term disability policy, the employee would typically need to provide documentation from their doctor supporting the medical necessity of the surgery and the expected recovery time. The employee may also need to submit a claim form to their insurance company. The specific process for filing a claim and receiving benefits may vary depending on the insurance carrier.

It's recommended to carefully review the short-term disability insurance policy and consult with the insurance provider or employer if there are any questions or uncertainties about coverage for elective surgeries.