Short Term Disability Insurance

Help replace a portion of your income when you're unable to work

If you are unable to work for a few weeks due to a covered injury, illness or even childbirth, Unum Short Term Disability Insurance can provide an ongoing benefit to help keep your finances stable.

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Short Term Disability can pay up to 60% of your income

Get a helping hand while you recover

Even small injuries can interfere with your ability to work. For many people, unplanned time away from work can make it difficult to manage household costs.

When you're recovering from a covered injury, illness or childbirth, the last thing you need is more stress. Short Term Disability Insurance can help you stay on top of medical costs, household bills and day-to-day expenses by replacing a portion of your normal income. The ongoing payments are made directly to you, so you can use them however you need.

The top five reasons our customers use this benefit:1

  • Maternity leave
  • Injuries, excluding back
  • Joint disorders
  • Back disorders
  • Digestive disorders

Short Term Disability Insurance is here to help with your income, so you can focus on getting better. See your HR representative for more information.

Hear Renee's story

Michelle and her two children on their way to soccer practice

Income protection kept Michelle in the game

Michelle was showing her nephew how to block a kick when she took an unexpected fall and broke her ankle. She needed minor surgery and a cast, which kept her away from work for several weeks. Michelle's Short Term Disability Insurance paid her a portion of her lost income, so she could manage expenses while she was unable to work.

How Michelle's plan paid off:

Though Michelle was unable to work, her Short Term Disability Insurance paid her 60% of her income.

  • Annual salary: $36,140
  • Gross weekly earnings: $695
  • Weekly benefit: $417

She used the money to pay for:

  • Rent
  • Groceries
  • Car payments
  • Cell phone bills

For illustrative purposes only. Coverage plans may vary. Depending on who pays for this coverage, the benefit may be taxable.

Commonly asked questions about Short Term Disability

Your employment and returning to work

1. Unum internal data, 2016. Note: Causes are listed in ranked order.

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

Group Short Term Disability:
Underwritten by Unum Life Insurance Company of America, Portland, ME. In New York, underwritten by First Unum Life Insurance Company, New York, NY.

Individual Short Term Disability:
Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN. In New York, underwritten by First Unum Life Insurance Company, New York, NY.

In New York:
This group policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

This individual policy provides disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for the policy is 50%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.