When Employees Ask "What Plan Should I Choose?"

Will I Get Punished for Not Having Insurance?

This video explains the concept of short-term disability (STD) insurance and its role in safeguarding your income during periods of illness or injury. Below are some points that may help you:

  • Short-term disability insurance is likened to protection for your paycheck, ensuring you still receive income when you cannot work due to health issues.

  • While many employers offer paid time off and sick leave, these benefits may not cover extended periods of sickness or injury. STD insurance bridges this gap.

  • STD provides a predetermined weekly payment to compensate for the income you would normally earn while working. However, it only covers non-work-related sickness or injuries that last for 90 days or less.

  • The specifics of STD policies can differ between employers and insurance companies, so we advise individuals to carefully review their job-specific policy to understand its terms and conditions.

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