Short-Term Disability

The Health Insurance Marketplace is a resource where individuals, families, and small businesses can learn about their health overage options; compare health insurance plans based on costs, benefits, and other important features; choose a plan; and enroll in coverage.  Our agents have the experience and knowledge to assist you with this process at NO additional cost.

Short-term disability (STD) plans provide protection against loss of earnings due to disabling injury or sickness. Those insured select a waiting period that must be met before benefits begin, how long the benefits are payable, as well as many optional benefits such as residual benefits and cost of living adjustments. These programs are strictly underwritten and individuals can usually secure coverage of up to 66 2/3% of their pre-disability earnings.