How Benefits Of Short-Term Disability Insurance for Individuals?

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Most people get additional disability insurance for individuals because it provides additional coverage for workers that have become disabled and can’t work for a period of time and the short term disability benefits from the employer are not enough.

The way the benefits work is not really different from the benefits received from the employer:

When a person is injured and unable to work, they file a claim through their short term disability insurance provider. Once this claim is analyzed and all medical documentation checked, the person can start receiving monthly benefits, usually 40 to 60 percent of their weekly or monthly income. These benefits provide coverage usually anywhere from 9 to 52 weeks, but no longer than that. All short term disability insurance plans have different features.

The main difference between short term disability insurance received from the employer and the one you buy individually is that if you decide to switch jobs, the disability insurance policy is no longer your if you had received it from your employer, which is not the case with short term disability insurance bought individually. It stays yours no matter how many jobs you change and how frequently.

Every insurance provider offers short term disability insurance under their own terms. When you decide to purchase a short term disability insurance policy, it’s best to consult an insurance agent prior to that, so you can get an expert’s advice on what the best policy is for you and how you can obtain it.

To get your quote visit Short Term Disability Insurance Quote