Short Term Disability 101

Disability Insurance, often called Disability Income Insurance, is a form of insurance that protects an employee's income against the risk that disability will make working (and therefore earning) impossible. In other words, it answers the question, "How would I pay for my living expenses if I became unable to work?"

Short Term Disability Insurance replaces a portion of your pay while you are out of work due to illness, pregnancy or injury.  As the name implies, the benefit is payable for a limited period of time. There are a variety of plan options available. A typical short term disability plan would begin paying a benefit on the first day of disability due to a non-work related injury or the eighth day for illness or maternity disability.  The benefit is payable as long as the individual remains disabled, but not to exceed a maximum benefit period of usually three or six months. If you are eligible for Workers' Compensation, you will not receive short term disability benefits.

Ochs, Inc. works with a variety of insurance carriers that provide group Short Term Disability Insurance. We can find a plan that meets your specific needs. Contact us for more information.