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Short-Term Disability Insurance


Short-Term Disability Insurance will pay a percentage of your wage if you are unable to work due to sickness or injury (excluding injuries that occur at work; that is covered by worker’s compensation insurance).

There are three main features of Short-Term Disability Insurance that effect premiums and claims:

  • Elimination Period – The number of days until claim payments begin. Can be considered a deductible but in terms of time instead of money.

  • Benefit Period – The amount of time claim payments will last.

  • Monthly Benefit – The amount of money the claim pays monthly.

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