How To Get Short Term Disability Coverage?

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   Peggy Mace

   Most of the U.S.

   You can get Short Term Disability coverage through your employer (in a group plan) or through an individual policy. It is much easier to find Short Term Disability Insurance in a group plan than it is to purchase it through a private agent, but you can get it either way.

   Answered on July 18, 2014

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   Larry GilmorePRO

   Agent Owner, Gilmore Insurance Services, Marysville, Washington State

   How to get short term disability coverage? Well, you may first need to check with your employer's HR and see if there is a group plan you can join. If your employer doesn't provide short term disability coverage, they may allow for voluntary disability plans to be purchased via payroll deduction. You can also find individual disability and set it up to work like a short term plan. However, with individual the best usually you can do is 30 days wait for illness and possibly a week or two for accidents.

   Answered on October 11, 2015

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