What is short term disability insurance?

Disability insurance provides you with income which is paid to you on a weekly or monthly basis when you can’t work due to an illness or injury. You should choose a level of disability coverage that best meets your needs.

Why do I need disability insurance?

The reality is that no one likes to think about what life would be like if they experienced a disability, but did you know that one-third of Americans between the ages of 35 and 65 will become disabled for more than 90 days? The American Council of Life Insurers even estimates that one in seven workers will be disabled for more than five years.

You can never be sure that you won’t experience even a short term disability, but you can have the peace of mind that disability Insurance can maintain your standard of living and can help pay your bills in case of an illness, injury, or even a planned pregnancy.

You should choose a level of disability coverage that best meets your needs for:

  • The price you feel you can afford
  • Your income requirements
  • The amount of monthly benefits you'll want
  • The period of time you want benefits to last
  • The number of days before coverage kicks in
  • Optional riders


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Why you need disability insurance

• A fatal injury occurs every 5 minutes, and a disabling injury occurs every second
• There is a death caused by a motor vehicle crash every 11 minutes; there is a disabling injury every 13 seconds
• In the home, there is a fatal injury every 14 minutes and a disabling injury every 4 seconds

Injury Facts, 2007 Edition, National Safety Council


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