Based in Dallas, occupational medicine manager Dr. Melissa Tonn serves as the president and chief medical officer of OccMD Group, P.A. In addition to helping US employers develop employee wellness programs, Dr. Melissa Tonn has extensive experience in disability management.
There are many types of disability benefits programs, with both short- and long-term disability insurance being the most frequently used. Short-term disability (STD) insurance replaces all or some of an employee’s income, typically between 60 and 75 percent, when a temporary disability arises. To deter abuse of the program and encourage the use of paid time off for short absences, most STD programs have a waiting period, such as one week, before benefits start. The median length of time US employees use short-term disability coverage is 26 weeks, according to the Bureau of Labor Statistics.
Long-term disability (LTD) insurance is often offered as continued form of income replacement after STD insurance runs out. Some LTD programs pay benefits to individuals with permanent disabilities until they reach retirement age or become eligible for Social Security disability benefits, while others have an expiration period of around 24 or 36 months. Approximately 72 percent of employers offer LTD insurance to their employees, and most pay the full premium for the plan.
An experienced physician, Melissa D. Tonn, MD, specializes in musculoskeletal disorders, workers’ compensation and disability cases, and chronic regional pain syndrome.