What Does Short Term Disability Insurance Cover?

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In the event of a temporary illness or injury that impedes your ability to work, short-term disability insurance ensures that you receive a portion of your income. For instance, if a mechanic injures their hand or a teacher has back surgery, they can rest assured that tending to those injuries won't impact their livelihood.

Understanding short-term disability insurance — how much you'll get, how long it will last, and what it covers — is essential, as is determining whether you'll receive coverage through your employer or a private insurance company. After all, you'll want to have your coverage in place just in case an unforeseen event or accident crops up. With this in mind, we're delving into everything you need to know about short-term disability insurance.