Just getting by can be hard sometimes. Mortgage and car payments, credit card bills, and grocery costs all add up. That’s not to mention all the other expenses that can pop up at the worst times: plumbing issues, medical bills, car repairs. Of course, all of these expenses require money to pay them off. But what happens if you get injured and can’t work for a few months? While worker’s compensation helps those who are injured on the job, if you’re injured outside of work, you might be in a tough spot. Sadly, the bills don’t stop coming in just because you can’t pay them. This is where short-term disability insurance can save the day.

Though it is unpleasant to think about, disability strikes more people than you might expect. This is why it is important to invest in a short-term disability program. Most people are uninformed when it comes to estimating the chances that they will be disabled in their lifetime. A study conducted by the Council for Disability Awareness found that the majority of working Americans significantly underestimated the chances that they would be disabled for more than three months at some point in their career. Fortunately, a short-term disability insurance plan can help you make sure your family is covered if you get hurt and can’t work.

The Illinois Insurance Center offers affordable short-term disability insurance plans throughout Illinois in areas such as Chicago. Contact a specialist to learn more about disability coverage and quotes.

How is it different from long-term disability insurance?

Short-term disability insurance has a shorter waiting period than long-term disability insurance. In other words, you are able to receive your benefits faster with short-term disability programs –typically in less than two weeks. On the other hand, long-term disability insurance often requires months before payouts can be made. Short-term disability insurance is meant to cover those injured for a period of several months up to a year. Long-term disability insurance is meant to cover people who are disabled for a longer period of time.

Do you need short-term disability insurance? The Illinois Insurance Center offers short-term disability programs throughout the state of Illinois in areas such as Chicago. Contact an agent to learn more about Illinois short-term disability insurance.

What does Illinois short-term disability insurance cover?

Short-term disability insurance covers a wide range of injuries incurred outside of work and other circumstances that prevent you from working. Short-term disability programs cover injuries such as sports injuries, major illnesses, recovery from surgery, maternity leave, rehab, anxiety, and broken bones, among others.

Do I really need Illinois short-term disability insurance?

Based on the statistics, it certainly makes sense to have short-term disability insurance. Today, roughly one in four 20-year old Americans will experience a long-term disability at some point in their career. It’s far better to pay a small sum for a short-term disability program you may never use than to not be covered if you are involved in an accident or injury. Having Illinois disability insurance in place is beneficial even if it never needs to be used: the peace of mind that you’ll experience knowing you will be protected from bankruptcy in the event of a serious injury or illness is almost as valuable as the actual coverage.

We offer affordable and trustworthy short-term disability programs in suburbs and cities across Illinois, such as Chicago. Contact a representative to discuss the benefits of disability insurance.

Will short-term disability insurance help my family?

Yes. Short-term disability insurance plans are meant to do exactly this. The numbers vary by insurance plan and provider, but plans typically pay out somewhere between 40-70% of gross weekly pay. Obviously, this does not entirely make up for the lost income, but it is a substantial enough amount that should be able to keep your family’s heads above water until you are able to return to work. It’s also far better than the alternative, in which without short-term disability insurance, you receive 0% of your gross weekly pay while recovering.

As important as short-term disability insurance is, some employers don’t offer coverage to their employees. Contact Illinois Insurance Center to learn more about Illinois short-term disability insurance and to get started on a plan.

Other Types of Insurance Plans & Services