If you were to get injured or become ill, your ability to work and earn a total income could be impacted. Without your usual paycheck, how long would it take for your household finances to suffer?

Short-term disability insurance provides nearly complete income replacement if you cannot work for an extended period due to an approved medical condition. Once you have fulfilled the applicable waiting period, short-term disability insurance provides income protection up to 66 2/3% of your annual base benefits pay (up to $5,000 per week maximum).

Even minor injuries can interfere with your ability to work. In addition, for many people, unplanned time away from work can make it difficult to manage household costs.

When recovering from a covered injury, illness, or childbirth, the last thing you need is more stress. Short Term Disability Insurance can help you stay on top of medical costs, household bills, and day-to-day expenses by replacing a portion of your regular income. The ongoing payments are made directly to you, so you can use them however you need.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.