How is this different from long-term disability?

Short-term disability covers a shorter stretch, often weeks to months. Long-term disability covers longer absences. Many people use both together.

Is there a waiting period?

Yes. Most policies start paying after a short waiting period. The length depends on the policy you choose.

How much of my income does it replace?

A portion of it, not all. The exact amount and benefit length depend on the policy.

Can a licensed agent help me compare?

Yes. A licensed CoverFam agent can look at what you already have through work and help you see where a policy fits.

Short-Term Disability Insurance

Keep part of your paycheck coming while you recover.

Short-term disability insurance replaces a portion of your income for a limited time if a covered injury or illness keeps you from working.

Free, no pressure. You can stop anytime.

What it is

A policy that pays a weekly or monthly benefit for a set period, often a few weeks to several months, after a short waiting period. It's built for shorter time away from work.

Who it's for

Workers without short-term disability through their job
Self-employed parents and gig workers
Anyone who'd like a bridge before longer-term disability coverage starts

How it pays

After a waiting period, the policy pays a set portion of your income on a regular schedule until you're back at work or the benefit period ends.

Common questions

See your price, or talk it through.

Check your price in a few minutes, or talk to a licensed CoverFam agent first.

Short-term disability insurance pays a portion of income for a limited period. Benefits, waiting periods and exclusions vary by policy.

Lasa Links Insurance, Inc. DBA CoverFam is a licensed insurance agency. Online pricing is provided through the Breeze platform. Coverage and availability vary by state.