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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