How a claim works
Benefits start after a waiting period, often called the elimination period, and continue for up to the policy's benefit period while you remain unable to work. The benefit is usually a set amount or a share of your income.
What to compare
Look at the waiting period, how long benefits last, how the policy defines disability, whether pregnancy and pre-existing conditions are covered, and when coverage starts after you enroll.
For federal employees
Private short-term disability plans are available to federal employees and can be paid by payroll allotment if you choose. They are separate from any federal program, and many people use one to protect their income after their sick leave is used.
Benefits included in the plans shown
These riders and benefits are included in the selected product packages where eligible. Each plan has its own conditions.
Allstate: Income protection on and off the job
On- and off-the-job disability protection is already included in the listed price.
Waiting periods, disability definitions and benefit limits apply. For an on-the-job disability, the policy pays 50% of the monthly benefit when receiving workers’ compensation or other state disability benefits.
Allstate / American Heritage Life: Included premium relief during a covered disability
The listed disability policy includes Waiver of Premium after monthly disability benefits have been paid for 30 days in a row.
Premiums remain waived for as long as monthly benefits are paid, under the policy terms.
The Manhattan Life Insurance Company: Included premium relief during a covered disability
Waiver of Premium is included at no additional charge after 90 consecutive days of total or presumptive disability benefits.
Applies while benefits remain payable. Not available with the 90-day benefit-period option; source and certificate conditions apply.
The Manhattan Life Insurance Company: Building Benefit Rider included in the quoted price
The Manhattan Life quoted price includes the Building Benefit Rider.
Original rider benefit limits, eligibility and election requirements apply.
Eligibility, exclusions, state variations and the original policy or certificate govern.
Questions to ask yourself
- How long could I cover my bills without a paycheck?
- How much paid leave do I have saved?
- Does the plan cover the conditions I'm most concerned about?
How we help you choose
We compare plans from the established carriers we are contracted with. On a short call, we learn what you want to protect, narrow the choices to the ones that genuinely fit, and show them to you side by side, in plain English.
Ready to see your options side by side? Request a call. It's free, and there's never any obligation.