Short Term Disability Insurance

Short term disability insurance serves as a critical financial safety net during challenging periods, providing temporary income replacement (usually 60-70% of your salary) when you're unable to work. The benefit period typically ranges from 3-6 months, though some policies extend coverage up to one year. Most policies include a brief elimination period (waiting period) of 0-14 days before benefits begin. Common covered conditions include recovery from surgery, pregnancy and childbirth, severe illness, injuries from accidents, and sometimes mental health conditions.