What is Worksite Short Term Disability Insurance?

Most people rely on their income to pay for day-to-day expenses such as food, mortgage, and cell phone bills. Unfortunately, these expenses don’t stop if you’re temporarily out of work during a total disability. Individual short term disability insurance is designed to temporarily replace a portion of your income while you cannot work to help you keep up with your regular bills.

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Advantages of Worksite Individual Short Term Disability Insurance

  • Benefits are paid directly to you and are not reduced by Social Security Disability Income, workers’ compensation, or employer paid time off
  • Convenient payroll deduction or Electronic Funds Transfer (EFT)
  • Coverage on the first day of the month payroll deduction or EFT begins
  • Guaranteed renewable coverage until age 72 – Your coverage can’t be canceled as long as premiums are paid
  • Portable coverage you own – keep the policy even if you leave your employer