What we cover · Short Term Disability

Short Term Disability

Short-term disability coverage plays a crucial role in safeguarding your income and financial stability when you experience a temporary inability to work.

What it actually is

Disability coverage answers one question: if you couldn't work for a few months, what would pay the bills? It replaces a portion of your income while you recover — the piece self-employed people most often have nothing standing behind.

What it helps with

  • A monthly benefit while an injury or illness keeps you off work
  • Bridging the gap before employer or state programs (where any exist) kick in
  • Self-employed households, where no sick pay exists at all

Worth asking us

  • How the benefit amount and waiting period are chosen
  • What counts as a disability under a given policy — read with us before you buy
  • Whether your emergency fund honestly covers a three-month recovery

The honest caveat

Every plan defines its own terms — what's covered, what's excluded, and what the words on this page mean in that contract. That's not small print to skim; it's the product. It's also exactly what we read with you, in plain English, before anything gets signed.

The other four

Hospitalization · Outpatient Care · Life Insurance · Accident & Critical Illness