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.
Advantages and Disadvantages of Short Term Disability Insurance. Short term disability insurance is intended to cover individuals who cannot work for brief periods of time. Although some short term policies can last for up to two years, the typical policy lasts between three and six months. Because the length of time that these policies pay benefits is short, short term disability insurance policies are usually the most affordable options.