Question:

How Can I Find Individual Short Term Disability Insurance?

How to Find Individual Short Term Disability Insurance

Individual short term disability insurance is available should you need it. First, determine your need in light of the following information. Five states (RI, NY, NJ, CA, HI) and the Commonwealth of Puerto Rico offer Temporary Disability Insurance (TDI) to all employees working in their jurisdictions. Workers Compensation insurance is mandatory throughout the U.S. to provide benefits for employees injured at their workplace. Many companies offer employer-paid short term disability insurance which covers their entire employee group.

If you are covered by one or more of these programs, estimate your benefit levels and decide if they are sufficient to maintain your household should you suffer a short term disability. For decision purposes, you could estimate a disability lasting up to 26 weeks or make a more detailed outline by inserting the actual benefit periods of your current coverage.

Should you be a highly compensated professional, executive, or self-employed person, you may want to consider enhancing your short term disability coverage. Using well-respected websites, like ProtectYourIncome.com, you can gather information and get quotes for coverage. It is wise to “match” short and long term disability insurance to adequately protect yourself, your family, and your future earnings. Disability statistics indicate a strong likelihood of disability lasting in excess of two years for a significant percentage of the population. Short term disability coverage would certainly help, but a matching long term disability policy should help prevent financial disaster from befalling your household.

Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.

Disability Insurance Frequently Asked Questions

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Since I’m In Practice for Myself, Should I Combine Disability Insurance for Dentists with Business Expense Coverage?

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What Is Government Disability Insurance?

Are There States That Offer Disability Income Insurance?

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How Does a Government Disability Income Insurance Calculator Work?

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What Process Does the Social Security Administration (SSA) Follow to Decide If I’m Disabled?

What Are Some Things I Should Know About Getting Disability Insurance Quotes?

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How Can I Best Use the Internet to Get Disability Insurance Quotes?

What Should I Consider When I Get Quotes for Disability Insurance for Self-Employed People?

What’s an Effective Way to Find the Best Deal Disability Insurance?

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Should I Consider Having Both Short Term and Long Term Disability Coverage?

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Why Do Long Term Disability Insurance Premiums Appear to Vary So Much?

What Is Own Occupation Disability Insurance?

Why Is It Considered Important for Professionals to Have Own Occupation Disability Insurance?

What Is the Definition of “Own Occupation” Disability Insurance?

What Are the Tax Considerations of Own Occupation Disability Insurance Premiums and Benefits?

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What Does “Own Occupation” Mean When Referring to Disability Insurance?

What’s an Effective Way to Find the Best Own Occupation Disability Insurance?

What Is the Difference Between Long Term and Short Term Disability?

How “Long” Is Short Term Disability?

How Can I Find Individual Short Term Disability Insurance?

Who Is Typically Eligible for Short Term Disability (STD) Coverage?

Is the Income Replacement Feature in Short Term Disability (STD) Normally Identical to the Income Benefits in a Long Term Disability (LTD) Policy?

If I Have a Long Term Disability Policy, Under What Circumstances Should I Consider Getting Short Term Disability Coverage, Also?

Are Medical Pre-Existing Conditions Considered When Applying for Short and Long Term Disability Insurance?

What Are the Pros and Cons of Group Versus Individual Short Term Disability Coverage?

How Do Private Short Term Disability Insurance Plans Differ From the Various State and Federal Disability Programs?

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What Factors Determine a Decision Regarding Total Versus Partial Disability?

How Do Benefits in a Residual Disability Insurance Policy Work?





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