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	<title>New answer on: Who Needs Short Term Disability Insurance?</title>

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		<title>By: Kelly Moser</title>

		<link>http://insurancelibrary.com/disability-insurance/who-needs-short-term-disability-insurance</link>

		<dc:creator>Kelly Moser</dc:creator>

		<pubDate>Mon, 02 Dec 2013 21:48:11 +0000</pubDate>

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		<description><![CDATA[Short term disability insurance pays out a lot sooner than long term disability (typically in 7 or 13 days).  That means you can cover immediate costs when you&#039;re unable to work and need an income. Anyone who doesn&#039;t want to drain their savings (since most people only have 3 months of cash reserves) should look into short term DI, or check to see if it&#039;s offered through your work.]]></description>

		

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		<title>By: David Racich</title>

		<link>http://insurancelibrary.com/disability-insurance/who-needs-short-term-disability-insurance</link>

		<dc:creator>David Racich</dc:creator>

		<pubDate>Mon, 10 Jun 2013 22:01:55 +0000</pubDate>

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		<description><![CDATA[Most Americans are aware that they have Social Security Disability Insurance, but it’s limited in its scope of coverage. Many employees of corporations and businesses have short term disability coverage in their employer sponsored group benefit plans. But if that’s not the case, you should consider short term disability insurance. Most Americans have 90 days in cash reserves to pay household expenses. The odds are high that you’ll experience a disability during your working career.  
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