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 is an insurance policy that protects an employee from loss of income in the case that he or she is temporarily unable to work due to illness, injury, or accident. Short-term disability insurance does not protect against work-related accidents or injuries, as these would be covered by workers' compensation insurance. However, it ensures that an employee will still receive a percentage of income if they cannot work due to sickness or a disabling injury.