Title: Is Short-Term Disability Insurance Worth It?
Headings: Is short-term disability insurance worth it?
Is short-term disability insurance worth it?
What exactly is short-term disability insurance?
Short-term disability insurance vs. long-term disability insurance
Get the right advice, right here
What alternatives are there to short-term disability insurance?
Where can I buy short-term disability insurance?
Is short-term disability insurance worth it?

Content: You’re more likely to experience a disability than you might think – according to the Council for Disability Awareness, 1 in 4 workers will experience a period of disability before they retire. On top of that, 46% of Americans wouldn’t be able to cover a $400 emergency expense without resorting to credit card debt or a family loan. If you were unable to work due to a short medical emergency, how would you pay for it? Short-term disability insurance is an insurance product that replaces your income for a short period of time in the event that you experience a disability. The benefit period usually lasts 3 to 6 months. Let’s break that definition down a little: A disability is any medical condition that stops you from working. It’s a common misconception that disabilities only occur because of workplace accidents; in fact, most disabilities are caused by chronic conditions like back injuries, cancer, and heart disease. Depending on your employer, pregnancy may also be categorized as a disability, and you may need to use a disability insurance policy to provide income while you’re on leave from work.