individual short term disability insurance

Individual short term disability insurance is a form of protection that provides individuals with financial benefits if they become disabled. Since the insurance is "short term", benefits are only afforded on a short term basis, being given only for disabilities that would limit work capacity temporarily. To obtain an individual short term disability insurance policy, the person needing insurance will need to make an agreement with the insurance company as well as begin payment of a policy, and must have done so prior to the date of the injury. If a disability does occur, the insured can then send in a claim to receive the agreed coverage. In most policies, the utter maximum on short term disability insurance is 2 years, after which time coverage would be cut off. Even with such a maximum in place, insurers may also request that the insured regularly provides current evidence of their injuries in order for coverage to continue. Many other stipulations also apply regarding coverage from this type of insurance.

Fast Facts

Pregnancy causes 21 percent of claims
Back injuries cause 6 percent of claims

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