Short Term Disability

If you were to become disabled tomorrow and where unable to work for an extended period of time, would you have enough savings to cover your living expenses during that time? If you don’t short term disability (STD) insurance would be an invaluable resource as you recover so you can get back to work.

Short Term Disability (STD) pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury.

According to the American Council of Life Insurers, nearly one-third of all Americans will surfer a serious disability between the ages of 35 and 65.

Short Term Disability can only be offered by the Employer as a group benefit.

Group STD has various funding options:

• Employer funded
• Employee funded
• Employer/Employee funded

Questions you may have:

Why do I/my employee’s need Short term?
How much coverage do my employees need?

Benefits and options can vary widely and should be designed to meet the specific needs of your Company and its employees.

Schiff, Kreidler-Shell welcomes the opportunity to help your organization examine these and any other questions you may have. Please contact Tom Colvin, J.D., CLU at 513-977-3128.