Protect Your Income When You Can’t Work
A temporary injury or illness can make it impossible to earn a paycheck, but it shouldn’t threaten your financial stability. Short-term disability insurance provides a portion of your income when you’re unable to work due to a covered medical condition, ensuring that you can focus on recovery instead of worrying about lost wages. Unlike long-term disability insurance, which covers extended absences, short-term disability benefits typically begin within days and last up to 26 weeks. This coverage helps bridge the gap between your last paycheck and your ability to return to work, giving you peace of mind when you need it most.
Frequently Asked Questions
How does short-term disability insurance work?
If you become temporarily disabled due to an illness, injury, or medical procedure, your policy provides weekly benefit payments to replace a portion of your lost income. Benefits typically begin after a short waiting period and continue until you can return to work or until the policy's benefit period ends.
What conditions are covered?
Short-term disability insurance covers a range of conditions, including injuries from accidents, post-surgical recovery, serious illnesses, and pregnancy-related disabilities. Coverage details vary by policy, so it’s important to choose a plan that aligns with your needs.
When do benefits start?
Most policies have a short waiting period before benefits begin, typically ranging from seven to 14 days. Some policies may allow you to use accrued sick leave or vacation time before disability benefits take effect.
How long do benefits last?
Short-term disability insurance typically provides benefits for a set period, often 13 to 26 weeks. After that, long-term disability insurance may take over if additional coverage is in place.
Do I need short-term disability insurance if I have health insurance?
Yes. Health insurance covers medical bills, but it does not replace lost income. Short-term disability insurance ensures that you can continue paying for essentials like rent, groceries, and other living expenses while you recover.
Who needs short-term disability insurance?
Anyone who depends on their income should consider coverage. Employees without employer-sponsored disability benefits, self-employed professionals, and business owners are especially vulnerable to income loss if they can’t work for an extended period.
Why Short-Term Disability Insurance Matters
Many people assume they won’t need disability insurance, but the reality is that unexpected injuries and illnesses happen more often than you might think. A short period without income can quickly lead to financial hardship, especially for those who rely on a steady paycheck. Short-term disability insurance provides a financial cushion so you can focus on your health rather than worrying about how to pay the bills. If you’re self-employed or your employer doesn’t offer disability benefits, having your own policy ensures that you’re covered no matter what.
Fast Benefits Payout
Weekly payments begin shortly after a covered disability occurs, helping you stay financially stable during recovery.
Comprehensive Coverage
Policies cover a variety of medical conditions, from injuries and surgeries to pregnancy-related disabilities.
Flexible Benefit Periods
Coverage typically lasts between 13 and 26 weeks, allowing you to choose a plan that fits your needs.
Income Protection
Ensures that you can keep up with daily expenses, such as rent, utilities, and groceries, while you recover.
Ideal for Business Owners and Self-Employed Professionals
Provides financial security for those who don’t have access to employer-sponsored disability plans.
Works Alongside Long-Term Disability Insurance
Short-term benefits help bridge the gap while transitioning to long-term coverage if needed.
Get the Right Coverage for You
A short-term disability can be disruptive, but it shouldn’t derail your financial future. Whether you're recovering from surgery, managing a serious illness, or dealing with an injury that prevents you from working, short-term disability insurance ensures that you have a reliable source of income. With a personalized policy, you can focus on your health and return to work when you’re ready—without the added stress of financial insecurity.
