How to Buy Short Term Disability Insurance Online
Short-term disability insurance can help pay cost-of-living expenses if you are injured or ill and cannot work. Most short-term policies pay from 50 to 60 percent of your regular salary and usually cover up to 52 weeks. When looking for a disability policy online, it is important to compare a variety of policies to determine the amount of payout, types of injuries and/or illnesses covered, length of time covered, and the process for filing a claim.
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Things You'll Need
- Driver's license
- Birth certificate
- Social Security card
- Proof of employment
Instructions
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How to buy short-term fisability insurance online
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1
Compare the following when researching short-term disability insurance policies online:
-Monthly premiums
-Amount of coverage offered
-Types of injuries/illnesses covered
-Types of injuries/illnesses not covered
-Workplace injury/illness compensation
-At-home injury/illness compensation
-Time when coverage starts/ends
-Number of claims filed each year
-Procedures for filing a claim -
2
Contact a customer service agent if you have specific questions about short-term disability insurance. Ask for additional information pertaining to the policy to be sent to you.
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3
Print out all policies, contracts, and other information provided on the insurer's website. Carefully read this information before purchasing disability insurance.
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4
Turn in all paperwork requested. You may have to email, fax or mail documentation such as:
-Signed policy forms
-Copy of social security card/birth certificate/driver's license
-Letter from employer that proves you are employed. (If self-employed, you may
need to provide copies of tax returns.) -
5
Print insurance cards and other documents to prove you have disability coverage. Maintain accurate records to ensure your policy remains up-to-date.
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Tips & Warnings
Review short-term disability insurance policies yearly to ensure you have the proper amount of coverage. Ask your employer if short-term disability is offered, as this may result in lower monthly premiums.
Purchase disability insurance from reputable companies only.
