Short-Term Disability Insurance

Last updated: December 9, 2025 Recently updated

Short-Term Disability Insurance Guide

Replaces income for temporary disabilities lasting weeks to months

Not sure what coverage you need? Take our free 2-minute quiz to get personalized insurance recommendations.

What is Short-Term Disability Insurance?

Short-Term Disability Insurance provides essential protection for you and your family. Understanding how it works helps you make better coverage decisions.

Key Features

Coverage details and benefits
What’s typically included
Common exclusions to be aware of
Cost factors that affect premiums

Who Needs Short-Term Disability Insurance?

Learn whether this type of coverage is right for your situation and how to determine the appropriate coverage amount.

How to Choose a Policy

Tips for comparing policies, understanding terms, and finding the best value for your needs.

Having a Baby Checklist - Short-term disability for maternity leave
Going Freelance Checklist - Coverage options when leaving employment

Long-Term Disability Insurance - Coverage for extended disabilities
Supplemental Disability Insurance - Boost coverage beyond employer benefits

Frequently Asked Questions

Common questions about short-term disability insurance answered.

Frequently Asked Questions

How long does short-term disability last?

Short-term disability typically covers disabilities lasting 3-6 months, sometimes up to a year. Benefits usually begin after a short waiting period of 0-14 days. It’s designed to bridge the gap until you recover or long-term disability benefits begin.

Does my employer provide short-term disability?

Many employers offer short-term disability as a voluntary benefit; some states require it (California, Hawaii, New Jersey, New York, Rhode Island). Check with HR about your coverage, including the benefit amount, waiting period, and duration. Employer-provided coverage may not be enough.

What conditions qualify for short-term disability?

Qualifying conditions include pregnancy and childbirth, recovery from surgery, serious illness, injuries preventing work, and mental health conditions. You’ll need medical documentation supporting your inability to work. Conditions must meet the policy’s definition of disability.