What is Short-Term Disability and Why Do You Need it?

What is Short-Term Disability and Why Do You Need it? by Robert ReminIf you get sick or injured, depending upon where you work, you may have access to short-term disability insurance benefits—either through your major medical insurance with your employer or through a supplemental benefits plan also through your employer.

The purpose of short-term disability is to replace your income until your long-term disability (if you have it) kicks in. Statistics show that most people are disabled for no longer than 3-6 months, and payments can begin from the onset of an accident and fairly soon after an illness. Even if you only miss a week or two of work, you may qualify for benefits for that time period—in addition to possibly being out longer.

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