Short-term disability is private insurance that replaces some of your income if an injury or illness prevents you from working. While you are away from work, it pays you a certain percentage of your income for a set period of time. Some employers provide group policies as part of their benefits packages. If your employer does not offer short-term disability, or you want additional coverage, you can buy an individual policy from an insurance agent.
View the Guide to Disability Income Insurance.
State temporary disability insurance (TDI) programs are currently available in six states/territories:
California New York New Jersey Rhode Island Hawaii Puerto Rico (in Spanish)For a longer illness, lasting six months or more, your employer may provide group long-term disability (LTD) insurance.
The Social Security Administration (SSA) also administers two programs that provide benefits to the disabled. You may wish to view information about Social Security disability benefits.
Additional Resources:
The short link for this FAQ is http://1.usa.gov/qKjslk
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