Short-term disability insurance is a crucial safety net for many workers, providing financial support when they are temporarily unable to work due to illness or injury. This type of insurance helps bridge the gap between the onset of a disability and when long-term disability benefits or other financial resources become available.

What Is Short-term Disability Insurance?

Short-term disability insurance is a policy that provides income replacement for a limited period, typically ranging from a few weeks to several months, depending on the plan. It is designed to cover a portion of your salary (e.g., 50%) while you recover from a temporary disability. This insurance can be offered by employers as part of a benefits package or purchased individually.

What Can It Cover?

Short-term disability insurance generally covers a wide range of conditions that prevent you from performing your job duties. These can include the following:

• Injuries, such as those arising from accidents that occur outside of work, including fractures or sprains

• Illnesses, including conditions like severe flu, pneumonia or other nonchronic illnesses.

• Surgeries, such as those requiring recovery periods following operations that require taking time off work

• Pregnancy and childbirth, including covering maternity leave, as well as costs arising from complications related to pregnancy and childbirth

How Are My Rates Determined?

The cost of short-term disability insurance premiums can vary based on several factors:

• Age—Younger individuals generally pay lower premiums.

• Lifestyle—Those with jobs or hobbies that have a higher risk of injury or illness may need to pay higher premiums.

• Health status—Pre-existing conditions can affect the cost of coverage.

• Benefit amount and duration—Higher benefit amounts and longer coverage periods typically increase premiums.

How to Get the Right Coverage Near Me

Contact Two Rivers Benefits Consultants today to learn more about short-term disability insurance and secure ideal coverage.