What is Short-Term Disability Insurance?
Short-Term Disability insurance can pay a percentage of your salary if you're unable to work for a short period of time (typically less than six months) due to a non-work-related condition, illness, or injury.
It helps protect, or partially replace your income. How much can it replace? Generally from 50 to 65 percent can be replaced, depending upon your plan design.
Why is it important?
-Worker's compensation only covers work-related injuries. Disability insurance can pay you a benefit if you get sick or hurt outside of work.
-Health insurance won't cover your day to day expenses. It may cover your medical care but it can't make up for lost income.
-Illnesses are actually more likely than an injury to keep a person out of work- only about 10% of disabilities are attributed to accidents.
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Article from The Hartford