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Short Term Disability North Las Vegas NV

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.

American Family Insurance-Cedric Gay
(702) 658-7536
3030 W Ann Rd Ste 110
N Las Vegas, NV
 
Lawrence A Drake, DDS
(702) 643-7720
3603 Las Vegas Blvd N Ste
Las Vegas, NV
 
A Company, Inc.
(702) 647-4000
2701 N Simmons St
N Las Vegas, NV
 
Joel A Casar DMD
(702) 633-4333
1306 W Craig Rd Ste
Las Vegas, NV
 
Karen Hom, DDS
(702) 227-6453
7425 W Azure Dr Ste 110
Las Vegas, NV
 
Insurance Connection-Alan Bourassa
(702) 241-1036
1318 Stable Glen Drive
N Las Vegas, NV
 
StarSmiles Childrens Dentistry
(702) 639-3515
2290 McDaniel St Ste 2A
Las Vegas, NV
 
Precious Dental
(702) 436-5222
4210 W Craig Rd Ste 104
Las Vegas, NV
 
Alexander Dental Group/PDS
(702) 614-1792
3896 N Martin Luther
Las Vegas, NV
 
Lone Mountain Dental
(702) 655-9533
4818 W Lone Mountain
Las Vegas, NV
 

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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