Short-Term Disability

If you get injured and can't work, short-term disability benefits begin immediately. If you can't work because of illness, your policy may require a waiting period of several days to confirm that the illness can be considered disabling, as opposed to one covered by sick days. Short-term disability policies often offer six months of benefits, although some can last as long as one year.

Many employers offer short-term disability insurance with their employee benefits and may pay part of the premiums. You can also purchase your own policy.

A steady income is essential for most people. If an accident or illness interrupts that income, it affects both the employee and employer. Short Term Disability (STD) protection is designed to replace a portion of the wages lost when a short term disability occurs. An affordable, flexible Short-Term Disability plan can provide needed benefits to both the employer and employee.

Do you know how you would pay your bills and put food on the table if you couldn't work as a result of illness or injury? Your health insurance would cover your medical bills, but how would you replace your lost income? You may want to consider short-term disability insurance as an answer to these questions.

The U.S. Social Security Administration says that there is a 3-in-10 chance that you will miss work because of a disability at some point during your working life-time. If you become injured or sick to the point that you have to miss work for a short period of time, short-term disability insurance will help to replace some of your income. The length of time you must be disabled before receiving benefits depends on your policy, as does the amount of time your coverage lasts.

When considering your needs for insurance products for your home or business consider contacting Bennett Insurance Group at 623-979-4140

Brought to you by:
Jim Bennett
Bennett Insurance Group
623-979-4140
http://jimbennettinsurance.com
jim@jimbennettinsurance.com