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Short Term Disability Coeur D Alene ID

Short-term disability insurance is your stop gap insurance in case of accident or illness that leaves you unable to work. It provides a percentage of your salary.

Neighbors Insurance
(208) 882-8113
411 N. Almon # 401
Moscow, ID
 
Intermountain Agency
208-344-0022 extension 115
1650 S Albright Lane
Boise, ID
 
Intermountain Agency Inc.
(208) 377-7101
1650 S. Albright Lane
Boise, ID
 
Insurance Services of Idaho
(208) 383-9500
1843 Broadway Ave Ste 202
Boise, ID
 
Agency of Choice
(208) 342-6288
1818 S Londoner Way
Boise, ID
 
High Valley Dermatology & Dermatologic Surgery
(208) 522-7546
2085 Providence Way
Idaho Falls, ID
 
Senior Insurance Benefits
(208) 685-9234
1577 N. Linder Rd.
Kuna, ID
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Alliance For Affordable Services
(208) 939-9137
1020 W Main St
Boise, ID
 
Health Insurance of Idaho
(208) 345-8557
3607 W Overland Rd
Boise, ID
 
Creative Benefits
(208) 854-1308
10020 W Fairview Ave
Boise, ID
 

Short Term Disability

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Short Term Disability

Most employers will provide some kind of short-term disability insurance. Short-term disability insurance is your stop gap insurance in case of accident or illness that leaves you unable to work. It provides a percentage of your salary (normally between 50 and 60 %) for a period of six months or less. If you require disability for longer than six months, because of a more serious illness or longer convalescence, then you will need long-term disability in addition to your short-term coverage.

Your biggest potential challenge is that the level of insurance coverage may not be sufficient and you need to find that out before you have a problem. Most employers have insurance to cover a short-term sick leave. It only makes sense your employer wants you back and wants you to be able to manage while you are sick. Some states even require employers to provide disability benefit's for a full 26 weeks, but that's where the employers obligation ends. However, the percentage of your salary that is provided, the length of coverage and the number of weeks that you have to wait before benefit's kick in can all make a difference to your familys financial security while you are sick or incapacitated. It's important to know the details of any short-term disability that your employer provides.

Also, you should know if your employer takes into account other disability programs, like Social Security. If they do, your disability pay could be even lower. Another problem is that you can't depend on actually receiving any benefit's from Social Security given today's tougher rules to qualify, even though the possibility of those benefit's may have reduced the benefit that you can receive from your short-term disability insurance.

You might think that short-term disability is a waste of your money. You could be wrong. While most of us carry some level of life insurance, you have only a 14 percent chance of dying between 40 and 65. However, in the same age...

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