A diagnosis from the doctor or a sudden accident off the job is one of the most common motivators that spur people to begin looking at short-term disability insurance.

For many people, they waited until it was too late. It may be very difficult to purchase new coverage. If they qualify for a policy, they still must wait 12 months to file a claim.


Short-term disability insurance does not cover chronic and acute episodes of mental illnesses. However, some patients can buy a small policy to address common side effects of potent medications.

Several government-based programs may provide financial assistance for this vulnerable population.


Both long and short-term disability insurance cover a wide array of medical conditions related to the insured person who is unable to work and earn an income.

Many times people must stop working to care for a family illness. Unfortunately, the policies rarely make claims payments for the caregiver.


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.


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.


Drug and alcohol abuse can be very disruptive to a person’s family, and at the workplace. An extended stay in a rehabilitation unit may be the only long-term solution to the problem.

Employees must leave work to enter rehab. Some short-term disability insurance plans may cover the stay for prescription drug dependency.


Paid paternity leave benefits have become a more frequent news topic. Many men want to take time from work to bond with a newborn baby, or to care for their wives while expecting.

Short-term disability insurance does not cover fathers unless they experience a medical event themselves. This is usually not the case with newborn children.