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If you receive a paycheck, here's a way to protect your earned income. A short-term disability policy offers you income protection to help cover monthly expenses (such as mortgage, rent, utilities, or car loan) if you're unable to work because of a total disability due to illness or injury.
Policy options are designed especially for short-term disability. They include one- and three-year benefit periods, with a monthly benefit amount ranging from $300 to $3,000 (subject to your income and occupation class).
Short-term disability insurance can provide funds for whatever you need to protect. Mortgage, rent, or a car loan are just some of the monthly expenses that can be funded. The benefit period and monthly amount choices allow you to choose the right coverage for you.
The short application process allows you to get the coverage you need faster than ever.
Savings accounts can serve as a temporary safety net, but most people haven't saved enough. A disability policy can provide a longer-term solution. According to the 2014 Consumer Disability Awareness Study, 57 percent surveyed said they had enough savings to pay their bills for 6 months or less.
Because the definition of disability is very strict (the disability must be expected to last 12 months or more, or result in death), 65 percent of all claims submitted are denied. In 2016, the average Social Security benefit amount was $1,166 per month.2
Disability insurance products are not available in MA, NJ, and RI.
1 Social Security Fact Sheet, June 2016
2 Social Security Administration Disabled Workers Beneficiary Data, October 2017
3 Social Security Publication No. 05-10570, June 2016
The information provides a brief, general description of the coverage provided by these policies. It is not a contract and certain exclusions and limitations apply. A complete statement of the coverage provided is found only in the policy itself. Policy coverages, exclusions, and limitations may vary in some states.
For exact terms and conditions see: Disability Income policies ICC16 97064IC, ICC16 97065IC and ICC16 97066IC.
This section describes situations and conditions in which payment will be limited or denied even if You otherwise qualify for benefits.
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
Limitations. The following limitations apply to this policy:
State Farm Mutual Automobile Insurance Company