Short-Term Disability

Did you know that less than half of American households have enough money saved to pay for three months of living expenses? So, what happens if you can’t work for a short time due to an illness or injury? You may find yourself in debt or worse. Even if you have enough money saved to cover your bills for a few months, you don’t want to use your entire nest egg for rent and groceries. Short-term disability insurance protects your paycheck when you can’t work, allowing you to pay your bills and keep your savings intact.

As your alternative insurance specialists, Nunes Partners offers employer-sponsored short-term disability plans, as well as private disability insurance for contractors. We’ll help you choose a plan that adequately replaces your income and fits into your monthly budget.

What Qualifies for Short-Term Disability?

In order to qualify for short-term disability, a medical professional needs to determine that your illness or injury will prevent you from doing your job. Common conditions that qualify for short-term disability include:

Short term disability benefits usually last from 3-6 months, but can vary depending on your plan.

Short-Term Disability for Pregnancy

Since employers in the U.S. are not required to offer maternity leave, many parents who are pregnant or planning to adopt rely on short-term disability benefits to care for their child during the first few weeks and recover from giving birth. Short-term disability for pregnancy usually lasts 6-8 weeks. If you do not have access to a short-term disability plan through your employer or your coverage is inadequate, we can help you find a better option. Most insurance providers require you to hold the policy prior to getting pregnant to use your benefits, so if you’re considering growing your family, reach out to us today.

Private Short-Term Disability Insurance

Though we do offer employer-sponsored plans, you don’t need to rely on your employer to protect your paycheck and financial well-being. Private disability insurance allows you to choose coverage that makes sense for you. We’ll help you understand your options and customize your benefit amount based on your annual income, insurance budget, and the needs of your family.

Short-Term Disability for Independent Contractors

As a freelancer or independent contractor, you may be used to a fluctuating income, but what happens if you can’t work at all for a few months? Maybe you can get by on a partner’s income or by using savings, but short-term disability insurance helps remove the “what ifs.” Short-term disability provides peace of mind that you’ll still be able to pay your bills if you experience an unexpected illness or injury. You deserve to be able to focus on your recovery without financial stress. Let us help you build your own benefits package to protect your physical and financial health.