Most people have savings for a rainy day, but few can survive months without a paycheck. Short-Term Disability Insurance bridges the gap when you can't work due to a temporary illness, injury, or pregnancy.

It pays a percentage of your salary directly to you, so you can keep paying your mortgage, buying groceries, and covering bills while you recover.

Coverage Highlights

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Coverage Duration

Benefits typically last for 3 to 6 months, giving you ample time to recover from most surgeries or illnesses.

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Weekly Benefits

Replaces up to 60-70% of your gross income, tax-free (if paid with after-tax dollars).

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Maternity Coverage

One of the most common uses. Pays benefits during maternity leave for birth and recovery.

California SDI vs. Private Insurance

California provides State Disability Insurance (SDI), but it has caps on benefits and strict eligibility rules. A private policy can supplement this to ensure you receive closer to your full take-home pay.

✓ Higher Limits: Cover high incomes that exceed state caps.
✓ Portable: Keep your coverage even if you change jobs.
✓ Tax-Free Benefits: Private individual policies pay tax-free benefits; SDI may be taxable.