What it is
Short-Term Disability
Short-term disability insurance is coverage designed to replace a portion of your income for a limited period after a qualifying disability. It may help when you cannot work because of a covered illness or injury.
Income interruption planning
Short-Term Disability
Help protect income if illness or injury keeps you from working.
Short-term disability insurance may replace part of your income for a limited time if a covered illness, injury, or condition prevents you from working. It can help keep bills moving while you recover.
Understand the product
What it is, and how it works.
Start with the basics before comparing price, eligibility, and policy details.
How it works
Compare before you apply.
You choose a benefit amount, waiting period, and benefit period based on available options. If you experience a covered disability and the claim is approved, the policy may pay benefits while you are unable to work.
Why it matters
Bills do not stop when your paycheck does.
A temporary illness or injury can create financial pressure fast. Short-term disability coverage may help protect your income while you recover and work toward returning to your normal routine.
Help replace income
Support monthly bills
Plan for recovery time
The process
A clear path from question to application.
Each step is built to help you understand the product before making a coverage decision.
Review your income needs
Tell us about your income, monthly bills, savings, and how long you could manage without a paycheck.
Compare benefit options
Review available benefit amounts, waiting periods, and how long benefits may last.
Understand claim rules
Look at definitions of disability, exclusions, documentation requirements, and when benefits may begin.
Apply with support
When ready, we help you apply and understand the next steps.
FAQ
Questions worth asking early.
Use these as a starting point, then confirm the policy details with licensed guidance.
What does short-term disability help with?
It may help replace part of your income if a covered illness or injury keeps you from working for a limited time.
How soon do benefits start?
That depends on the waiting period in the policy. Some policies require a certain number of days before benefits begin.
How long do benefits last?
The benefit period depends on the policy. It is important to review how long payments may continue.
Is this the same as workers’ compensation?
No. Workers’ compensation generally applies to work-related injuries or illnesses. Short-term disability may apply to covered disabilities based on policy terms.