If you are an employee, getting a short term disability insurance quote is your need. Your savings won’t be enough to cover your expenses in case of injury or illness. During this period, you won’t be able to work even after your sick leaves. This is where you can count on short term disability insurance. You can pay your bills after filing a claim with your insurance provider. In this article, we are going read about an insurance policy that is offered for coverage over a short period. Read on to know more.
Why Employees Need Short-Term Disability Insurance (STD)
First of all, it’s important to keep in mind that health insurance can only cover your medical bills. But it won’t offer any coverage for other expenses, such as rent or groceries. For these expenses, you will have to pay out of your own pocket.
Although workers’ compensation is there, it can only support you if you are involved in an accident injury at work. So, if you go for a short term disability insurance quote, you can get access to your required resources to meet your day-to-day expenses until you are able to get back to work.
Private companies provide both short term and long-term plans. But some don’t offer any of these insurance plans. In this case, employees are free to buy an affordable short-term disability insurance plan from an insurance provider they trust.
If you have a family that depends on you, getting a short-term disability insurance policy is your need. This may not be a necessity if you already have a second source of income. But if you are not lucky enough, you will have no choice but apply for a separate policy.
An affordable short term disability insurance can bring peace of mind to your life other insurance types can’t, and often for a fraction of their cost.
What Sort-Term Disability Insurance Covers
Basically, short term disability insurance helps replace part of your income while you are on the road to recovery after an illness or injury. The good thing is that the coverage provides protection against injury that you received outside of work. Given below are the scenarios where this insurance policy may cover you:
• Broken bones
• Carpal tunnel syndrome
• Herniated disks
• Surgery recovery
If you want to get peace of mind, you should get a short term disability insurance quote. Plus, you have the liberty to customize your policy to make it suit your needs. You can also make it support your employer-sponsored policy or a long-term disability plan.
Short-term disability insurance can provide you with the peace of mind you need and let you live a peaceful, calm life without worrying about your financial stability.
In short, if you want to enjoy all these benefits of the policy, we suggest that you get a short term disability insurance quote. Since the terms and conditions of every policy have slight differences, you should read the policy before making a choice. Instant Disability specializes in disability insurance and can show you disability insurance quotes from all of the leading companies.