By Theresa Semple | Semple Solutions, LLC 

If one of your employees is injured or falls ill, they may worry about what to do if their money dries up. After all, a serious injury or illness will prevent them from coming in to work. This is where short-term disability coverage takes over.

What is short-term disability insurance and why do you need it for your business?

You shouldn't leave your employees to struggle if they are unable to come into work. Here is a brief guide to help you understand the importance of short-term disability insurance!

How Short-Term Disability Coverage Works

There may come a time when an employee is injured and is unable to work. During this time, they won't be able to rely on their usual source of income. Your employees should be able to spend their time focusing on recovery, not stressing themselves out about where their next meal will come from. 

That's where short-term disability insurance comes into play. It provides weekly pay based on the employee's prior salary. It can activate as early as 3 days after the individual becomes unable to come into work, though it can take up to 7 days to kick in.

Why Disability Coverage Matters

No one wants to get injured, but it's nice to have peace of mind knowing that you're covered in the case of an accident. Offering short-term disability coverage does exactly that for your employees! It shows that you care about your employees and want them to be taken care of.

Having short-term disability insurance available also helps you stand out in the workforce. It shows you as a competitive business that is willing to go above and beyond for its employees. This will help you draw in new employees and keep the ones you already have.

How to Get Started

The employer is most often responsible for paying for short-term disability insurance. This is because this type of coverage is meant as a form of protection for employees; however, if the employer is unable to or doesn't want to pay for disability coverage, it can be paid for by the employee. 

You can ask your broker to help you get started searching for short-term disability insurance coverage and compensation packages for your employees. There are many insurance companies that offer a variety of deals for their disability insurance, so shop around and find what works best for you!

Offer Disability Coverage and Show You Care

Short-term disability coverage is the perfect way to show your employees that you care about their health and safety. You can help them feel protected in the workplace and keep their morals high. There are plenty of options at your disposal, so start your search for disability insurance today!

Are you searching for an insurance company that offers insurance policies that protect employees?We're here to help.

 Contact us with any questions or concerns you have about our short-term disability insurance and continue reading our blog for more helpful tips today! 

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