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Short-Term Disability Insurance

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

What It Covers

Short-term disability insurance replaces a portion of your income — typically 50-70% — 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 7-14 days) before benefits begin
  • Benefit period — typically pays out for 3 to 6 months
  • Benefit amount — usually a percentage of your regular income, up to a plan 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 closes a real gap. It’s especially worth considering if you’re the primary income earner in your household or don’t have significant savings set aside.We’re independent, which means we shop your risk across carriers that specialize in trucking — not a single company’s rate card. We handle certificates of insurance quickly so you’re never held up at a dock, and we help you stay ahead of DOT and FMCSA requirements instead of scrambling to catch up.

Get a Short-Term Disability Insurance Quote

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