Short-Term Disability Insurance
Protect your income during temporary inability to work due to illness or injury.
Income Protection When You Need It Most
Short-term disability insurance provides income replacement if you're temporarily unable to work due to a covered illness, injury, or pregnancy. It helps bridge the financial gap during your recovery period.
While your health insurance covers medical expenses, disability insurance replaces a portion of your income, helping you maintain financial stability and focus on recovery.
Replaces 60-70% of your income during disability
Benefit periods typically range from 3 to 6 months
Coverage for disabilities caused by illness, injury, or pregnancy
Affordable premiums with flexible coverage options

What Short-Term Disability Covers
Understanding what's covered can help you determine if short-term disability insurance is right for you.
Covered Conditions
Short-term disability insurance typically covers a range of conditions that prevent you from working.
- Injuries (both work-related and non-work-related)
- Illnesses (including severe conditions like cancer)
- Pregnancy and childbirth
- Recovery from surgery
Benefit Structure
Understanding how benefits are structured helps you plan for potential disability periods.
- Elimination period: Typically 0-14 days before benefits begin
- Benefit amount: Usually 60-70% of your regular income
- Benefit period: Typically 3-6 months of coverage
- Tax implications: Benefits may be taxable depending on how premiums are paid
Policy Features
Additional features and options that may be available with your short-term disability policy.
- Partial disability benefits for gradual return to work
- Rehabilitation benefits to help you return to work
- Guaranteed renewable policies
- Portability options if you change employers

Why You Need Disability Insurance
Many people underestimate their risk of disability and the financial impact it can have. Consider these facts:
Disability Risk
1 in 4 workers will experience a disability before retirement age that prevents them from working.
Financial Impact
Most Americans couldn't cover expenses for more than 3 months without income, yet the average disability lasts 2.5 years.
Limited Alternatives
Workers' compensation only covers work-related injuries, and Social Security Disability has strict eligibility requirements and limited benefits.
Peace of Mind
Disability insurance provides financial security and peace of mind, allowing you to focus on recovery rather than financial stress.
Protect Your Income Today
Don't leave your financial security to chance. Contact us to learn more about our short-term disability insurance options.