Short-Term Disability Insurance Helps Protect Your Paycheck and Lifestyle
短期残疾保险：保护您的薪水和生活方式
If you have a job, it is very likely that you will need short term disability insurance. The possibility of a disabling illness or injury may seem remote, but statistics say otherwise. You actually have a three in 10 chance of suffering a disability* that will keep you out of work for 90 days or longer at some point during your working career. And, 90% of disabilities are caused by illnesses not accidents.
如果您有工作，您很可能需要短期残疾保险。尽管残疾性疾病或伤害的可能性似乎很小，但统计数据显示并非如此。实际上，您在职业生涯的某个时刻有三分之一的机会遭受将您置于工作之外90天或更长时间的残疾。而且，90%的残疾是由疾病而非事故引起的
Short term disability insurance pays a percentage of your salary for a specified amount of time, if you are ill or injured, and cannot perform the duties of your job. Generally, the benefit pays around 40 to 60% of your weekly gross income. A short term disability policy can be an employer or employee paid benefit.
短期残疾保险的功能短期残疾保险在您因疾病或伤害无法履行工作职责时，会支付您工资的一定百分比。一般来说，受益金大约为您周薪的40%至60%。短期残疾保险政策可以是由雇主支付或由员工自行支付的福利
When Short Term Disability Coverage Starts
短期残疾保险何时生效
Coverage usually starts anywhere from one to 14 days after you are injured or become ill and are unable to work. The time of coverage may vary from 9 to 52 weeks from eligibility. Depending on where you work, you might be required to use sick days before short term disability kicks in if it’s an illness that keeps you out of work for an extended period of time.
保险通常在您受伤或生病并无法工作后的一至十四天内生效。覆盖时间从资格生效之日起通常为9至52周。根据您工作的地方，您可能需要在短期残疾保险生效之前先使用病假，特别是如果是导致您长期缺勤的疾病
If you are out for longer than the short term disability benefit covers, then either a long term disability plan or permanent disability kicks in. This may happen at 10 to 53 weeks from the date of eligibility. Determination for long term disability is provided by the insurance company's team of doctors and insurance analysts who carefully monitor each case.
如果您缺勤超过短期残疾保险所覆盖的时间，则可能会转向长期残疾计划或永久残疾保险。这种情况可能发生在资格生效后10到53周内。长期残疾的判断由保险公司团队的医生和保险分析师提供，他们会仔细监测每个案例
Although short term disability may be part of your benefits package at work, you might want to review the coverage to determine if it is sufficient. If you have questions about your coverage give us a call and let's talk about your short term disability insurance needs.
检查您的保险覆盖
尽管短期残疾保险可能是您工作福利包的一部分，您可能还想审核该保障，以确定它是否足够。如果您对自己的保险覆盖有任何疑问，请给我们打电话，让我们讨论您的短期残疾保险需求