Individual Short Term Disability Insurance

Individual short term disability insurance plans put you in control of your income.  Unlike group coverage, short term disability insurance for individuals allows you to own your policy.  Your coverage and benefits remain intact no matter where you work.

You can get individual coverage in two ways.  But be aware that policy features vary, depending upon where you get your policy.  The key factors break down as follows:

• Individual coverage for normal pregnancy – These policies are not sold direct, but you can get coverage if you ask your employer to offer voluntary benefits. 
  
• Individual policy for unexpected events – Some insurance companies sell polices direct to individuals that cover medical events such as complications, accident, and illnesses.  But normal pregnancy is never covered because the policy will likely pay far more in benefits that it takes in monthly premiums.
  

Individual short term disability for pregnancy can't be found direct.  Insurers understand that individual policies covering pregnancy and maternity leave are sure money losers. The people buying the policies are planning to use the benefit.  So they only sell them through groups in order to pool risks.

Many women look for an individual policy sold directly because their employer does not offer it. They discover that finding individual short term disability insurance for pregnancy sold direct is like hunting unicorns: neither exists.

But there is hope! You can buy individual short term disability insurance as a voluntary employee benefit.  You pay the premium through convenient payroll deduction, so there is no direct cost to your employer.  If you leave your company the policy is portable, and guaranteed renewable.  

Get your individual short term disability insurance coverage at work.  You begin by paying through a payroll deduction.  You will pay the premium via payroll deduction, so there is no direct cost to your employer.  Just ask your employer to make this coverage option available to you.

Your indvidual disability insurance is portable.  That means no matter where you work, or what happens to your employment, you can keep the coverage.  Just continue to make premium payments on your own.  You own the policy.  Not your employer.

It's simple and easy to ask your employer for individual short term disability coverage.  Your employer benefits, your co-workers will thank you, we will protect your privacy, and you'll get a free gift!

Short term disability insurance for individuals that covers accidents and illnesses only is simpler to find.  You are buying true insurance coverage: accidents and illnesses that are not planned or expected.  Many individual short term disability insurance companies offer plans that you can purchase through your local disability insurance broker.