Direct answer
No, short-term disability policies generally do not provide full income replacement; they typically cover between 40% and 70% of your pre-disability earnings. It depends on your specific policy terms and any existing employer-sponsored benefits that may be integrated with your personal coverage.
Standard policy limitations and coordination of benefits clauses found in short-term disability insurance contracts. For additional information about how policy provisions determine benefit levels, see the Insurance Information Institute‘s guide on disability insurance.
What this means for you
No, short-term disability policies generally do not provide full income replacement; they typically cover between 40% and 70% of your pre-disability earnings. It depends on your specific policy terms and any existing employer-sponsored benefits that may be integrated with your personal coverage.
FARMER STOCKMAN
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This page is informational and not a coverage guarantee or quote.
