Short Term Disability Insurance

What is short term disability insurance coverage? Short Term Disability Insurance coverage mostly provides income protection up to 66 2/3 percent of an individual’s salary for the first 90 or 180 days of disability or sickness. This is a taxable benefit. By contrast, long-term disability plans usually picks up the coverage going forward from 91 days to either age 65 or 67.

What would happen if you lost your most important asset....? Your ability to earn an income.

Without your income what would happen to your home? Your bank accounts? Your family?

The risk is real.  Compared to things you might think about every day, the likelihood of you being disabled is much greater than you think....

Do you have life insurance? The risk of short term disability is greater than the risk of premature death.

If you were disabled for three months, how would you pay your bills?
Other income-protection options may not be available when you need them...

Short Term Disability Insurance Through Your Employer

Even if you are insured through your work, short term disability plans through employers are usually not portable and typically covers 60% of your monthly income, up to a specified maximum monthly benefit.

Government Short Term Disability Insurance

More than 60% of the 2.1 million people who applied for social security disability insurance were denied in 2005.  Even if you are approved, SSDI benefits alone may still leave you below the Federal Poverty Level.

Workers’ Comp

The vast majority of disabling accidents or illnesses are not work-related, and therefore not covered by worker’s compensation.

Are you willing to gamble with all you’ve worked so hard to save?
Most Americans will exhaust their savings after only a few months without an income. A Short Term Disability insurance plan would eliviate this burden.

Here at American Benefits Insurance we can help secure your future income with several different types of short term disability Income.

Short-Term Accident Only:  If you are disabled by an injury not covered by workers’ comp, we will pay you a monthly benefit, after your elimination period has been met.

Short-Term Accident and Sickness:  If you are disabled by an injury or sickness not covered by workers’ comp, we will pay you a monthly benefit, after your elimination period has been met.

Long-Term Accident and Sickness:  If you are disabled by an injury or sickness, we will pay you a monthly benefit, after you elimination period has been met.

Business Operating Expenses:  If you are a business owner and you are totally disabled by an injury or sickness, we will pay you a monthly benefit, after your elimination period has been met, to help you defray business expenses.

Elimination Periods Available: 30, 60, 90, 180 or 365 days
Benefit Periods Available:12 or 18 months
Not all elimination or benefit periods are available in all states.

We strongly encourage you to contact us for a free consultation of benefits regarding Short Term Disability plans or other services and receive a free quote. Please call us at (877) 702-3522.