Short-term Disability Insurance, Return to Work, and the Responsibility of the Orthopaedic Surgeon

Abstract

Millions of Americans are unable to work every day because of illness or injury. Many of these individuals have musculoskeletal issues and are under the care of an orthopaedic surgeon. Short-term disability insurance programs have been developed to address the financial burden experienced by workers who are temporarily without income. Private insurance companies and state-sponsored programs are the two most common forms. Most disability plans require verification from a physician that the worker is unable to work or is able to work in a limited capacity. Quite often, this responsibility falls on the orthopaedic surgeon. Our participation is important and substantial, yet we receive little instruction on the role that we play in this process. This article explains the history and development of short-term disability programs, describes the way they currently function in our country, and clarifies the role of the orthopaedic surgeon in the process.