Insurance Professional

Short-term disability insurance also known as sick leave kicks in as soon as you're unable to work due to an illness, injury or the birth of a child. Most employers provide some type of coverage, ranging from just a few days to as much as one year. In some cases, the number of weeks you're eligible for this benefit is based upon how many years you worked at a company. The longer your service, the more paid sick leave you'll get. Five states require employers to provide short-term disability. Hawaii, New Jersey, New York, and Rhode Island mandate most employers provide 26 weeks of coverage. In California, employers are obligated to offer 52 weeks. Short-term disability (STD) pays out a portion of the policyholder’s salary in the event of a disabling illness or injury. This policy covers the policyholder for a short period, generally 90-180 days. The portion of the salary paid depends on the policy, but it is generally between 50% and 66 2/3%. The policy generally pays out on a weekly schedule. There is also a cap, a limit on the amount paid weekly benefit payment. This limit is determined by the individual policy.

If you became sick or hurt and couldn’t work, how would you pay your bills? How would you maintain your living standard? If you’re like most people, your ability to get up each day and earn an income is one of your most valuable assets. Furthermore, your chances of becoming disabled at some time during your working career are probably higher than you would expect. Short Term Disability insurance can replace a portion of your income when you are unable to work because of injury or illness. Short term disability Insurance provides an income for the early part of a disability. A policy may pay benefits for two weeks up to two years. Short-term disability Insurance is often included as part of an employee benefits package. Prepare for your future and protect your loved ones. If you were suddenly unable to work due to an accident what would you do? If you are healthy, currently not disabled, make $18,000 per year or more, you may qualify for cheap short term disability insurance. Below you would find a simple form which is required to be completed to obtain a cheap short term disability insurance quote. Please complete your information and get online and cheap short term disability insurance quote in a few minutes.