It would be nice if life were predictable. Sadly, it’s not. You can plan and dream, but everyday situations carry the potential for life-altering consequences. A single accident could leave you and your family without income. Even for a short period, this could mean significant financial challenges for most Americans.
Short term disability insurance can provide a layer of protection – it offers peace of mind in the face of life’s unpredictability. Simply put, short term disability insurance, or STD, replaces a portion of your income while you recover from an accident or injury that has left you temporarily unable to work.
Your greatest asset is your paycheck. While most Americans have some savings on the side, these are rarely enough to cover a few months without a paycheck. And if you consider that there is a high probability of an event happening that will cause a short-term disability in your working life, it’s clear why having short-term disability insurance is crucial to maintaining your livelihood. Only 40% of American employers offer short-term disability insurance as a benefit for their employees which means it’s up to you to do the research and find an agent that can offer you the short-term disability insurance quote and create an insurance policy.
But, getting the right short-term disability insurance quote can prove to be more complicated than it looks at first glance. There are many factors to take into consideration such as gender, age, occupation, and life habits. Only experienced insurance agents with in-depth knowledge of the market can get the right short-term disability insurance quote for and create an insurance policy for you.
Depending on your personal information and the type of insurance policy you have, you will be offered a short-term disability quote. This quote will give you an idea of how high your premium will be and how much you will receive in case of short-term disability. Please do note that we don’t cover pregnancy and maternity leave.
To get the best benefits of the insurance, you need the best short-term disability insurance quote. This is where we step into the picture. We have a team of professional insurance agents that analyzes the best short-term disability insurance quotes on the market and presents them side by side to you, so you can get the insurance plan that fits your needs and lifestyle the most.