Income Protection When You Can't Work
Get 60-70% of your income replaced when illness or injury keeps you from working. Short-term disability insurance provides the financial stability you need to focus on recovery without worrying about bills.
Short-Term Disability Benefits
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60-70% Income Replacement
Monthly benefits based on your salary
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Quick Benefit Start
Benefits begin after 7-14 days
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Up to 6 Months Coverage
Benefits paid for 13-26 weeks
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Tax-Free Benefits
If you pay premiums (individual policies)
1 in 4 workers will experience a disability
Your Income is Your Most Valuable Asset
Most people insure their car and home but overlook their ability to earn an income - the very thing that pays for everything else.
Without Short-Term Disability:
Immediate Income Loss
Miss even 2-4 weeks of work and your paychecks stop while bills continue. No income means financial crisis quickly.
Depleted Savings
Emergency fund drains fast covering mortgage, car payments, groceries, utilities, insurance, and other essential expenses.
Mounting Debt
Credit cards max out, bills go unpaid, late fees accumulate, and financial stress compounds during an already difficult time.
Recovery Pressure
Financial desperation forces you back to work before fully healed, risking reinjury or complicating recovery.
Average Result:
$15,000-$30,000
In debt and depleted savings from 3-month disability
With Short-Term Disability:
Income Continues
Receive 60-70% of your salary every month while you're unable to work, maintaining financial stability during recovery.
Bills Stay Current
Keep paying mortgage, rent, car, insurance, utilities, and groceries without touching emergency savings or retirement.
No New Debt
Avoid credit card debt, payday loans, and borrowing from family. Maintain your credit score and financial independence.
Focus on Healing
Recovery happens faster when you're not stressed about money. Take the time you need to fully heal before returning to work.
Example Benefit:
$10,500
Income replacement ($3,500/month × 3 months) at 70% of $5,000 salary
How Short-Term Disability Works
Become Disabled
Illness or injury prevents you from performing your job duties
Elimination Period
Wait 7-14 days (chosen when you buy policy) before benefits begin
File Claim
Submit medical documentation and employer verification of disability
Receive Benefits
Get monthly payments (60-70% of salary) while disabled, up to 6 months
Coverage Details to Choose:
Elimination Period:
7 days:
Higher premium, benefits start sooner
14 days:
Lower premium, moderate wait
Benefit Amount:
60% of salary:
Lower premium, moderate protection
70% of salary:
Higher premium, better income replacement
Benefit Period:
13 weeks (3 months):
Lower premium, shorter coverage
26 weeks (6 months):
Higher premium, extended protection
Common Causes of Short-Term Disability
Surgery & Recovery
Knee, hip, back, heart, abdominal surgeries requiring 4-12 weeks recovery time
Pregnancy & Childbirth
Maternity leave, pregnancy complications, C-sections, postpartum recovery (6-12 weeks)
Injuries
Broken bones, sprains, torn ligaments, back injuries requiring weeks or months to heal
Serious Illnesses
Pneumonia, severe infections, heart attack recovery, stroke rehabilitation (2-6 months)
Mental Health
Severe depression, anxiety disorders, PTSD, nervous breakdowns requiring treatment leave
Accidents
Car accidents, workplace injuries, falls causing temporary but significant disabilities
Protect Your Paycheck Today
Don't risk financial disaster if you can't work. Get affordable short-term disability insurance and protect your income when life throws you a curveball. Contact us for a personalized quote.