Have questions about Short-Term Disability Insurance?
We’ve got answers.

If an unexpected illness or injury kept you from working, how would you pay your bills? Disability insurance protects your income if you are unable to work due to an illness or injury. It provides a financial safety net, replacing a portion of your paycheck so you can cover essential expenses and focus on your recovery without financial stress.

A “disability” is defined as a condition caused by illness or injury that prevents you from performing the substantial duties of your occupation. Disabilities can be total, where you are unable to work entirely, or partial, where you can work on a limited basis. Both scenarios have coverage under the policy we offer, ensuring you have financial support when you need it most​.

The policy covers both short-term and long-term disabilities resulting from off-the-job injuries and illnesses. This includes conditions like surgeries, recovery from accidents, illnesses such as cancer, and even pregnancy-related disabilities, provided the policy was active before conception.

The policy pays up to 60% of your income or a maximum monthly benefit of $6,000, whichever is less. The benefit amount is designed to help you manage essential expenses while you recover​.

Payments continue for up to 12 months, depending on the plan chosen and the nature of your disability. Partial disabilities are covered for up to three months after an initial period of total disability​.

Payments begin after an elimination (waiting) period, which is 14 or 30 days, depending on the plan selected. This period starts from the date your total disability begins​.

Yes, this policy covers disabilities resulting from off-the-job injuries and illnesses. This provides financial protection for events that might not be covered by workers' compensation​.

Yes, pregnancy is covered if the policy has been in force for at least nine months prior to the disability. This includes complications from pregnancy, and delivery, that prevent you from working​.

If your condition existed and required treatment or medication in the 12 months before your policy started, claims related to it will not be approved during this period​.