Health Insurance
Short-Term Disability Insurance
Protect your income when illness or injury keeps you from working — so your bills don't stop just because your paycheck does.
What Is Short-Term Disability Insurance?
Short-term disability insurance replaces a portion of your income — typically 60–70% — when a covered illness, injury, or medical condition prevents you from working. Benefits usually begin within 7–14 days of a qualifying event and can last anywhere from 3 to 6 months, bridging the gap until you recover or longer-term coverage kicks in.
Most people don't realize how quickly a temporary disability can derail their finances. A broken bone, surgery recovery, a serious illness, or even a difficult pregnancy can sideline you for weeks or months. Without income protection, you may be forced to drain savings, take on debt, or fall behind on essential bills — all while trying to focus on getting better.
At Boaz Insurance Group, we help you find short-term disability coverage that fits your income, occupation, and budget. We'll explain your options clearly and make sure you have a plan in place before you ever need it — because the time to protect your paycheck is before something goes wrong.
Key Benefits
Why This Coverage Matters
Income Replacement
Receive a percentage of your regular income — typically 60–70% — so you can keep up with rent, mortgage, utilities, and everyday expenses while you recover.
Fast Benefit Activation
Benefits typically begin within 7–14 days of a qualifying disability, providing quick financial relief when you need it most.
Broad Coverage Triggers
Covers a wide range of qualifying events including accidents, surgeries, serious illnesses, and maternity leave — not just workplace injuries.
Bridges to Long-Term Coverage
Short-term disability works seamlessly alongside long-term disability policies, ensuring continuous income protection through extended recovery periods.
Ideal For
Employees without employer-sponsored disability benefits, self-employed individuals, freelancers, and anyone who depends on their income to cover monthly obligations.
Ready to Get Started?
Don't Let a Short-Term Setback Become a Financial Crisis
Let's find a disability plan that keeps your income protected when life takes an unexpected turn.