If you can't work,
we pay you.
Your bills don't stop just because you're sick or injured. Short-Term Disability insurance replaces up to 70% of your income so you can focus on recovering, not surviving.
- Health insurance pays the doctor. This pays YOU directly.
- Covers injuries that happen off-the-job (unlike Workers' Comp).
- Crucial for covering lost wages during Maternity Leave.
Direct Weekly or Monthly Income
Receive a direct deposit covering 60% to 70% of your gross income. Use this cash to pay your mortgage, buy groceries, and keep the lights on.
Maternity Leave Funding
FMLA guarantees your job, but it doesn't guarantee your paycheck. Short-Term Disability is the #1 way mothers fund their maternity leave.
Fast Trigger Periods
Unlike Long-Term Disability which takes months to kick in, STD policies typically begin paying you within 7 to 14 days of your inability to work.
Get Your Income Quote
Protecting your paycheck costs less than your daily coffee. See your rates in minutes.
What Triggers Your Paycheck?
Short-Term Disability covers the most common reasons working professionals are forced to miss work, ensuring your financial life doesn't halt when your health does.
Illness & Surgery
Requires time off for a scheduled surgery, cancer treatments, or severe illnesses like pneumonia that keep you bedridden for weeks.
Off-The-Job Injuries
Tear an ACL playing weekend sports or break an arm skiing? Workers' Comp won't cover you, but Short-Term Disability will step in.
Maternity Leave
Pregnancy is treated as a covered short-term disability condition. Protect your income during your 6 to 8 weeks of postnatal recovery.
Severe Mental Health
Depending on the specific policy, doctor-ordered time off for severe depression, anxiety, or burnout may qualify for income replacement.
Paycheck Protection Estimator
Most Americans cannot survive a $1,000 emergency, let alone 3 months without a paycheck. Enter your financials below to see how a policy bridges the gap.
Your Monthly Financials
Your income before taxes are taken out.
Mortgage, rent, groceries, car payments, utilities.
Financial Survival Status
Gap with No Insurance
-$3,500
Shortfall every month
STD Monthly Benefit
$3,600
Paid directly to your bank
By replacing 60% of your income, you receive $3,600 a month. This completely covers your essential bills of $3,500, leaving you with +$100 left over so you don't drain your savings.
*Educational tool. Actual benefits are subject to maximum monthly caps (e.g., $5,000/mo cap) depending on the specific policy. If benefits are paid with pre-tax dollars, the payout may be taxable.
Stop Assuming You're Fully Covered
Many people assume Workers' Compensation or their health insurance will cover their bills if they get hurt. That is a dangerous, bankruptcy-causing assumption.
| Coverage Feature | Short-Term Disability | Workers' Comp | Major Medical Ins. |
|---|---|---|---|
| Who gets the money? | Paid directly to YOU | Paid to You & Doctor | Paid to the Hospital |
| Covers weekend injuries? | Yes (24/7 Coverage) | Denied (Off-the-job) | Pays medical bills only |
| Covers Maternity Leave? | Yes (Usually 6-8 Weeks) | No | Pays hospital bills only |
| Use funds for Mortgage/Rent? | Yes (Unrestricted) | Yes (If approved) | No |
Who Needs This Policy?
If the loss of your paycheck for just 30 days would force you to drain your savings or miss rent, you are highly exposed.
Family Breadwinners
If your family relies on your income to survive, STD provides a crucial bridge of cash so they aren't forced to use credit cards while you recover.
Self-Employed & Gig Workers
If you work for yourself, you don't have employer-provided sick leave. This policy acts as your ultimate income-replacement safety net.
Expecting Parents
Planning a family? Most women rely on STD policies to replace their income during the weeks they are recovering from childbirth.
Disability Insurance FAQs
Clear answers about how you get paid when you are sidelined.
What is an "Elimination Period"?
The elimination period is essentially your waiting period. It is the number of days you must be disabled and unable to work before your benefits begin paying out. For Short-Term Disability, this is usually 7 to 14 days. You can often use paid time off (PTO) to cover this gap.
How long do the benefits last?
Short-Term Disability policies are designed for immediate, temporary recovery. Depending on the policy you select, benefits typically pay out for a maximum duration of 3 months, 6 months, or occasionally up to 1 year. If you are disabled longer than that, you would transition to Long-Term Disability (LTD).
Can I buy a policy when I am already pregnant?
Usually, no. Pregnancy is considered a pre-existing condition if you are already expecting when you apply. To use STD for maternity leave, you must purchase the policy *before* you become pregnant and satisfy the pre-existing condition exclusion period (often 9 to 12 months).