Benefit structure
Compare the percentage of income replaced, weekly benefit maximums, and how long benefits can be paid.
Short-term disability insurance
Income protection for temporary setbacks.
Short-term disability insurance can replace a portion of an employee's income when a covered illness, injury, or pregnancy keeps them out of work for a limited time. We help you compare the structures and costs.
Clear options. Personal guidance.
Waiting periods
Review elimination periods and how quickly benefits begin after a covered absence starts.
Funding approach
Consider employer-paid, employee-paid, or shared-cost arrangements and how each affects participation.
Details worth comparing
We make the fine print easier to understand before you select coverage.
- Benefit percentage
- Weekly maximums
- Elimination periods
- Benefit duration
- Pre-existing condition rules
- Enrollment requirements
- Employer vs. employee paid
- Claims process
Our approach
A small addition with real impact
For many employees, a few missed paychecks can be a serious financial strain. We help you weigh the cost of short-term disability coverage against the protection it adds to your benefits package.
Ready when you are
Compare your available options with confidence.
Tell us about your business, workforce, and goals. We will help you understand the next step.