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Short Term Disability Wasilla AK

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.

Benefits Consulting Services
(907) 357-4800
165 E. Parks Hwy. Suite 202
Wasilla, AK
 
namviet
(245) 712-3465
hcm
hcm, AK
 
JLOinsurance.com
(626) 482-3577
4848 N Vincent
Covina, AK
 
Healthstatrx
(303) 824-1124
Aurora, AK
 
Valley Fever Connections
(480) 555-1212
921 Main St
Mesa, AK
 
BESTCAHEALTHINSURANCE.COM
(626) 339-9819
17054 E Bellbrook St
Covina, AK
 
Silver Oak Insurance
(877) 422-8348
3315 Marquart, Suite 206
houston, AK
 
QUOTEABC.COM
(866) 992-7070
2184 Saviers Rd
Oxnard, AK
 
St Louis Health Quotes.Com
(314) 739-5800
34 Muirfield Hill Ct South
St Charles, AK
 
Benefits Consulting Services
(907) 357-4800
165 E. Parks Hwy. Suite 202
Wasilla, AK
 

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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