Where Did the Rain Go? Click link above to see weather patterns of a typical summer moving into the weather pattern of the 1930s dust bowl drought. See side bar for more information. (Credit: NASA) Click HERE to view animation. Click on image to enlarge.
Typically, a short-term disability policy provides you with 40 to 70 percent of your pre-disability base salary. Some people have short-term disability insurance through an employer, union, or other professional organization. This type of policy is known as group coverage.
Short-term Disability insurance provides income when a plan member is unable to work as a result of being hospitalized, in an accident, or ill up to 17 to 26 weeks. This is a guaranteed issue benefit, and it can insure company owners only if such a plan design is required. Long-term Disability insurance provides income to plan members who become disabled and unable to perform the duties of his or her occupation. Benefits commence post 119 or 180 days.