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Consider whether you need short-term disability insurance. If you have substantial savings or other financial resources, you may want to only get a long-term disability plan. However, if you do not have such resources or might become pregnant in the future, getting a short-term disability plan is probably worth the investment. Most short-term disability insurance plans cost about $197 a year (as of 2009), according to Insure.com.
Ask your supervisor or human resources representative about any available short-term disability insurance plans available through your employer. Fill out any required forms if your employer provides the insurance. You will need to provide information such as any surgeries or other major illnesses. Your premiums will be paid through deductions from your paycheck.
Research individual short-term disability plans through major insurance companies if your employer does not offer such benefits.
Most self-employed people who can prove a fairly stable income can also get their own short-term disability insurance. Companies to consider include MetLife, Hartford Life, Lincoln Financial Group, Unum, and Sun Life Financial (see Resources section).
Apply for the short-term disability insurance plan of your choice. Be sure to understand how much of your salary this insurance would pay in the event of a short-term disability, including pregnancy. In addition, understand how long it takes for your benefits to kick in after the disabling event. Most insurance companies have a 1- to 14-day wait before they start issuing disability payments.
Pay your premiums by electronic check or credit card, depending on the insurer. Some firms will also send you a bill, but your policy is ineffective until payment is received and processed. Most short-term disability plans must be paid in quarterly or annual installments.