Stay on top of medical costs and day-to-day expenses by replacing a portion of your normal income.
Short-Term Disability Insurance
Short-term disability insurance is an insurance product that replaces your income for a short period of time in the event that you experience a disability. You may need to use a disability insurance policy to provide income while you’re unable to work. While long-term disability insurance can offer years of replacement income, short-term disability helps during a temporary injury or illness, or when you give birth.
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Short-Term Disability Insurance
- Typically replaces 60% to 70% of base salary
- Pays out for a few months to one year, depending on the policy
- May have a short waiting period, such as two weeks, after you become disabled and before benefits are paid
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Long-Term Disability Insurance
- Typically replaces 40% to 60% of base salary
- Benefits end when the disability ends. If the disability continues, benefits end after a certain number of years or at retirement age.
- A common waiting period is 90 days after disability before benefits are paid
Interested in an insurance proposal at no obligation or cost?
Need more disability insurance coverages?
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Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661
Tel: (914) 834-1234 Tel: (212) 593-0200
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