Short Term Disability

Short-term disability insurance is a type of insurance that provides income replacement for a short period, typically ranging from 9 to 52 weeks, if an individual becomes temporarily disabled and unable to work due to an injury, illness, or medical condition. It covers a portion of the employee’s pre-disability earnings, usually between 60-70% of their gross income. Short-term disability benefits are designed to bridge the gap between the onset of a disability and the start of long-term disability coverage or a return to work. Premiums are often paid by the employer, though employees may share the cost. This coverage helps protect an individual’s finances during a temporary disability when they cannot earn their regular income.