Short term disability insurance
Janet has worked hard to develop her career and has been a smart saver. She just bought her first house and enjoys her independence. But if Janet has an accident or illness, she wants to be sure she will count on her family and friends for only chicken soup and company — not financial support. She wants coverage that can give her the security of knowing her income is protected.

Our short term disability benefit pays you a percentage of your income if you miss work due to a covered injury, illness or maternity leave.


The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Understanding disability insurance policies

The top four causes of short term disability are:
  • 21% — Pregnancy
  • 10% — Injuries (not including back)
  • 7% — Digestive/ intestinal diseases
  • 6% — Back injuries
Unum claims database, 2007