Risks not only exist in the workplace, but also outside of it. If you ever have an accident, plan an operation, or develop a condition that does not allow you to complete your tasks normally, you will most likely need a short term disability insurance.
But, why is it important to have an insurance against incidents outside your work? Well, according to the Council for Disability Awareness: “Only 48 percent of American adults indicate they have enough savings to cover three months of living expenses in the event they’re not earning any income.”
So, to prevent any uncertainty, this coverage helps you financially while you spend time recovering at home.
And although in all states the procedure is not the same, here we will explain to you how to apply for this benefit.
Co-founder of AllAboutCareers, one of the top sites for graduates, students and school leavers websites. I studied at the University of Essex. This is my site I talk about finance and help with administrative processes in the USA.