Short Term Disability
Replaces a portion of income if you become ill or injured and cannot work.
What is Short Term Disability Insurance?
How long could you afford to be without a paycheck? That's a question every working person should consider. Short Term Disability Insurance helps to replace a
portion of your income if you become ill or injured, on or off the job, and cannot work. It also pays benefits if you return to work but are unable to make your
full, pre-disability income.
Why would an employer offer Short Term Disability Insurance?
Studies show that most working adults have no savings set aside for emergencies1 and missing just one week of pay could cause a setback2. While many
believe that sick leave and vacation time can be used to cover expenses during a disability, the fact is 3 in 10 people with disabling illnesses or injuries are
out of work for three months or more, and the benefits from sick leave and vacation time usually run out in a matter of weeks.3
With statistics like these, purchasing Short Term Disability Insurance is a smart decision to help protect not only your income but your overall financial stability.
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1 Council for Disability Awareness. Dec 2011
2 American Payroll Association, “Getting Paid in America Survey”, 2014
3 LIMRA 2015 Disability Awareness Month Fact Sheet
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