Facts About Short Term Disability Insurance in Martinsburg, WV and Marietta, OH

 Most Americans are well aware of the importance of life and health insurance coverage. Unfortunately, they do not consider the prospect of being severely injured or ill, which results in disability. The following people need to consider being covered by short-term disability insurance in Martinsburg, WV, and Marietta, OH:

l Breadwinners with dependents

l Self-employed individuals

l Small business owners

l Professionals with specialized skills

l Individuals desiring replacement of their income

l Individuals working in hazardous conditions

It is most important to contact the employer to know whether there is a prospect of obtaining an employer-sponsored disability insurance policy, known as a group insurance plan. In the absence of employer assistance, one may go ahead and buy an individual policy. This may come with a higher premium but provides more customization.

It is interesting to know that this particular insurance policy provides coverage for a limited period. The time ranges from a few weeks to several months, depending on the terms and conditions of the concerned insurance policy. An employed individual who is temporarily unable to work due to disability may receive a portion of their income reimbursed until they are fit to resume work-related responsibilities.

Sure, the circumstances of short-term or temporary disability are diverse, but one may file a claim for coverage for any of the following issues: -

l Pregnancy 

l Surgery Recovery

l Accidental Injuries Or Fractures

Some of the things to consider carefully before spending money on such an insurance plan include: -

Eligibility- The insurance company usually requires the individual seeking insurance to submit a document from a healthcare professional stating that they are unable to work due to a temporary or short-term disability.

Duration of Coverage- The duration depends on the advice of the medical professional who recommends rest instead of resuming work-related duties. It usually lasts from a few weeks to a few months, depending on the seriousness of the injury or illness.

Coordination with other benefits- The short-term disability insurance coverage may be used simultaneously with other benefits obtained from the employer or the government. It can thus be claimed, in addition to the paid time off provided by the employer.

True, the idea of buying insurance coverage for a future disability for a limited term does not seem important, but being covered by such a policy may prove advantageous in times of need. Some of the benefits of this particular insurance policy include the following:

Income Protection- The insured person receives a portion of their wages when they are disabled. This ensures that one can continue to enjoy the existing lifestyle despite not being able to work.

Quick Access- The benefits are obtained much more quickly compared to long-term disability insurance claims. The insured individual may receive the sum within a few days or a week at the most.

Trying to protect the health necessities being covered by a suitable health insurance plan. Contacting an experienced health insurance agent in Morgantown and Fort Pierce, FL can help buy the right insurance policy.