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Short Term Disability New Bedford MA

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.

Mid West National Life Insurance of Tennesse
(508) 967-6121
306 Winthrop Suite 118
Taunton , MA
 
New Era Dental
(617) 576-6566
2400 Massachusetts Ave., 2nd Floor
Cambridge, MA
 
A A M Ltd Co
(413) 567-5060
3 Wenonah Pl
Longmeadow, MA
 
Boston Orthodontic
(617) 437-7333
396 Commonwealth Avenue
Boston, MA
 
Blue Cross and Blue
(617) 956-2000
100 Summer St
Boston, MA
 
Cohen Michael S
(413) 565-9931
228 Bel Air Dr
Longmeadow, MA
 
Eastern Dentist ins Co
(413) 567-9940
60 Brookside Dr
Longmeadow, MA
 
Berkshire Insurance Group
(413) 739-5803
138 Longmeadow St Ste 101
Longmeadow, MA
 
Dental Wellness
(617) 868-1516
1129 Cambridge Street
Cambridge, MA
 
Carman Associates
(413) 567-1000
33 Ardsley Rd
Longmeadow, MA
 

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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