| Short-term disability insurance (also known as STD) is | | | | that prevent you from being able to work. Again, the |
| a branch of general disability insurance policies. This | | | | coverage will only be valid for a pre-specified, short |
| type of insurance covers potential disabilities only for a | | | | period of time; as soon as that period of time is over, |
| short period of time. That is, if you happen to be unable | | | | your short-term disability policy is no longer obliged to |
| to work for a limited period, the insurance will cover a | | | | support you.As a side note, this type of policies never |
| percentage of your salary; this continues until you are | | | | supports you with your full salary; they will only provide |
| again able to work or until the deadline of the | | | | you with a percentage of your original salary. |
| coverage expires.Specifically, short-term disability | | | | Percentages usually range from 45% to 60%, and |
| policies are designed for people who do not have the | | | | they never go above 70%. This is a factor that |
| financial background that would enable them to make it | | | | someone who seeks such a policy should consider |
| through a temporary disability situation. This means that | | | | very well before he chooses.One important thing to |
| those policies are only designed to cover a period of | | | | know is that when you claim temporary disability, |
| time that lasts no longer than one year. A typical | | | | depending on the reason that you present, the |
| example is a woman who is about to give birth. She is | | | | payment may come earlier or later. Although first |
| going to be unable to attend her job for at least three | | | | payments usually come after two weeks, injury |
| months. If she were not financially strong enough to | | | | disabilities are paid almost immediately. On the other |
| handle a loss of salary, then short-term disability | | | | hand, it takes a few days in order to prove that an |
| insurance would definitely help her.Disability policies will | | | | illness is really preventing you from being able to work. |
| cover injuries caused by accidents as well as illnesses | | | | |