Individual short term disability : Protecting your family

2007-03-08 10:33:40

( Health )



Employment is often the most common source of income. Your health plays a big part in earning your salary. But life is full of unexpected turns. Sadly, when an emergency arises, your savings may not be enough to cover all your expenses. Fortunately, there is an individual short term disability shield that might help you.

Individual short term disability protection is an insurance package created exactly to answer specific needs. Once you encounter an injury that requires you to stay in the hospital for days or even months, disability insurance will readily come in to replace your salary. Disability insurance quotes differ from one company to another. Nature of work and your age are among the issues that prescribed rates.

Individual short term disability coverage though specific in its obligation can actually compliment other insurance packages. The objective of this product is to help you pay the bills even when you are bedridden.

Many companies are now providing this kind of incentives to their employees. This way they can help their employee cope with expenses and at the same time lessens the financial responsibility of the company.

However, there are some things you should know in order to have some peace of mind.

First, check the monthly benefit you are entitled to have once you get injured. This assistance should be sufficient to cover your needs if not total replacement of your income.

Next, you need to know the type of injuries that are included. Most insurance companies only carry a host of short-term damages.

Check out the coverage period as well.

Finally, shop around for better deals. A number of insurance providers are now adding rehabilitation and training benefits should you incur longer absence.

Getting disability insurance is not for your protection alone. It is also a way of protecting your love ones when they need it most.


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