When severe illness or injury strikes, the next few weeks and months can seem scary and uncertain, and you may worry about how you will pay your bills and afford your next rent or mortgage payment. Short-term disability insurance can ease your worries and help you with expenses while you’re away from work.

Employers may offer short-term disability insurance as a voluntary benefit to ensure financial stability in case of illness or injury preventing work. Disability is typically defined as the inability or reduced ability to perform job duties, as specified by the policy. Short-term disability insurance aims to safeguard income during brief disability periods, offering weekly or monthly payments based on a fixed amount or percentage of regular income. It serves as income replacement for limited-duration disabilities