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UnitedHealthcare answeredMost everyone can benefit from insurance for short-term disability. Consider all the debt you have such as a mortgage or lease, car payments, credit card bills, food and clothing bills, utilities, tuition and more. Now imagine having a short-term disability that limits your ability to work. How will you pay these bills? Even though the disability is temporary, the illness or injury still cuts into your ability to provide for your household. According to a study by the LIFE Foundation, 70 percent of working Americans could not make it one month before financial difficulties would set in if they were disabled. Even more astonishing, more than one in four Americans wouldn’t make it a week if they were disabled. In the case of an injury or an illness, a short-term disability insurance policy would close the gap during your temporary disability, providing you with income while you are out of work.