ToweryInsurance

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

Get a Disability Insurance Quote
Person recovering from injury

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
Family financial security

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.