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.