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.


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.


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.


Short-term disability insurance and the Family Medical Leave Act (FMLA) are sometimes taken simultaneously. People can easily confuse the two together, when they are completely separate and distinct.

One provides income replacement as a private insurance program. The other provides unpaid job protections as a federal regulation. There are other differences as well.


Supplemental short-term disability insurance fills gaps in many existing policy types.

Long-term policies often have long elimination periods. Group plans often have limited monthly benefit amounts. State disability exists in only five states. Social security disability does not cover temporary conditions.


Many site visitors would like a quick overview of what short-term disability costs, without requesting a detailed quote. In addition, knowing the monthly premium costs is of little value without a comparison to possible benefit payments.

Women purchasing policies to cover maternity leave find this type of comparison most valuable.