Get quotes and rates to find out what the monthly premium might cost. Premiums vary based upon the policy features you select: elimination period, benefit period, and monthly benefit amount. Your age, the state where you work, and the industry of your employer also factor into the equation.

Find alternatives sources of help if you are currently disabled or have an existing health condition.


Waiting periods are one of the most confusing concepts for applicants and policyholders. Short-term disability insurance works differently than many people want or expect.

Income protection works like any other insurance program. Once you need the coverage, it is too late to buy a policy. Act in advance of your need.


Adoption leave is a covered reason under the Family Medical Leave Act. Both parents can take twelve months of unpaid, job-protected leave to bond with an adopted child.

Many women enjoy paid leave benefits using short-term disability insurance when delivering their biological child. Adoptive mothers are not disabled, but birth mothers are.


Many valid medical conditions might trigger a claims payment for any disability insurance policy. Rather than publish an exhaustive list of every conceivable covered condition, each policy will provide a list of exclusions.

The exclusions fall into several broad categories such as preexisting conditions, and injuries that occur while engaged in listed activities.


When collecting disability benefits it is common for people to become concerned about their future income. Once they are able to resume working, they want to know they still have a job.

Disability insurance does not provide job protection. Several state and federal laws protect workers’ rights while away from work.


Many government programs overlap or get confused with private insurance programs. Paid family leave is a government entitlement available in three states. Each of these states also has a mandated short-term disability program.

In the majority of cases, short-term disability is the only form of paid family leave. However, it applies only to the person with a medical condition.


When employees make their annual benefit election decisions, they must make choose between pretax and post-tax payroll deductions. Pretax elections save money on the premium payments. Post-tax elections provide a tax-free benefit.

Post-tax elections are the best alternative for paying for short term disability insurance when you plan to utilize the benefit.


Social Security Disability offices across the United States refer many people to our website.

The majority of accidents and illnesses cause temporary disabilities, and are not covered by the government safety net. Social Security Disability covers only permanent disability, and they refer applicants here for help in applying for state disability benefits. However, only five states have programs covering temporary conditions.


In general, disability insurance is more expensive for women than for men. Women suffer more frequently from chronic illnesses, and tend to stop working when feely poorly compared to men. They file more claims, so premiums reflect usage.

Unisex premiums combined with polices designed to cover childbirth make short term disability extra appealing.