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Short-Term Disability Insurance

Replace part of your income during a temporary illness, injury, or recovery.

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What It Covers

Short-term disability insurance replaces a portion of your income, often 50% to 70%, if you’re unable to work due to a covered illness, injury, surgery recovery, or pregnancy. It’s designed to bridge the gap while you recover, not to be a long-term income source.

How It Works

  • Elimination period. A short waiting period, often 7 to 14 days, before benefits start.
  • Benefit period. How long benefits last, often 3 to 6 months.
  • Benefit amount. Usually a percentage of your regular income, up to the plan’s maximum.

Who Needs It Most

If your employer doesn’t offer paid sick leave beyond a few days, or you’re self-employed with no safety net, short-term disability fills a real gap. It’s especially worth a look if you’re the main earner in your household or don’t have much saved.

Get a Short-Term Disability Insurance Quote

Tell us about your job and income, and a licensed agent will walk you through short-term disability options and what they'd cost.

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