Short-Term Disability

Some states like New York require the employer to pay for disability insurance. However, most states do not and that leaves a gap that can be filled with a short-term disability policy

Some policies can provide coverage for 24 months in the case that the policyholder becomes unable to work. Use this policy to recoup the majority of your income.

The amounts that the policyholder can collect are dependent upon the policy limits, the state regulations and the elimination period which you choose when you take the policy