Short-term disability insurance helps your employees get through the weeks immediately following a disability due to accident or illness. This is a weekly benefit that pays a sick or injured employee a portion of his income from the time he is unable to work until his long-term disability coverage begins.

Common occurances include: pregnancy (both before and after delivery), car accidents, short term illnesses and serious sickness.

Your employees depend on their paycheck.  Short Term Disability is paycheck protection in a nutshell.

Short Term Disability is an inexpensive way to transfer these likely accidents/illness to an insurance company.  By doing so you bring a predetermined plan of action your employees can depend on.