IBI's Disability Diagnosis Analyzer uses short-term disability (STD) and long-term disability (LTD) claims from its Disability and Leave Benchmarking system to illustrate the disability burden of illnesses, diseases, injuries and pregnancies.

We project the total number of disability incidents for the U.S. workforce covered for employer-based STD benefits. We then project the total costs of a typical incident based on average STD wage replacements, the likelihood that it will become an LTD claim, and the Average LTD wage replacements.