Dearborn National

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What You Should Know About Short-Term Disability

While most people believe disability insurance is important, many of them don’t realize the odds of becoming disabled.

Short Term Disability

Around
64%
of Americans believe their chances of becoming disabled are much lower than the actual odds.1

61%
of working Americans believe people need disability insurance, but only
26%
own any.2

And it’s extremely beneficial for women because pregnancy qualifies as a short-term disability.

Pregnancy
In 2015, there were nearly
4,000,000
births in the U.S.3

But most people are not financially prepared if they did experience a disability.

Half US population
Half
of the American population has less than one month’s income saved for emergencies.4

Unexpected Income
According to the Federal Reserve Board,
43%
of Americans could not meet
an unexpected expense of
$400.5

Work Related Injury
Less than
5%
of disabling accidents and illnesses are work related. The other
95%
are not, meaning Workers' Compensation doesn't cover them.6

Sling
Just
23%
of American workers have employers
who offer short-term disability insurance.7

Our Short-Term Disability (STD) plans pay benefits when sickness or injury prevents you from working full time. It protects you and your family so you can focus on getting well and getting back to work.

Contact us to learn how we can help meet your short-term disability insurance needs.