Short Term Disability Insurance
If an illness or injury keeps you out of work, short term disability replaces a portion of your income so your family stays financially stable while you recover.
What It Covers
Income protection when you can't work
Most people insure their car and home but forget their most valuable asset — their paycheck. Short term disability fills that gap, providing monthly benefits for a set period after a covered illness or injury.
Income Replacement
Replace a portion of your paycheck — typically 50–70% — so bills keep getting paid while you recover.
Short Benefit Period
Coverage spans 3 to 6 months (sometimes up to 2 years), bridging the gap until you return to work.
Illness & Injury Coverage
Pays benefits for both off-the-job accidents and non-work-related illnesses like surgery recovery or extended illness.
Fast Elimination Periods
Choose a waiting period of 7, 14, or 30 days to match your sick-leave and emergency savings.
Common situations it covers
Short term disability steps in for many of life's unexpected pauses.
Don't let a setback become a financial crisis
Protect the income your family depends on with a short term disability plan tailored to your needs and budget.