How to Qualify for Temporary Disability

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To qualify for temporary disability, the insured must sustain an injury or illness that prevents working for a short period of time. Find out about temporary disability benefits and coverage periods with information from a licensed life and health insurance representative in this free video on insurance.

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Video Transcript

This is John Pinelli, financial representative, talking to you today about how to qualify for short term disability. Short term disabilities are certain events that could prevent you from working at your job or basically functioning for a shortened period of time. Typically, the exclusionary period will be about three days. So, you will not be able to obtain any sort of coverage during that time period of three days. And then after that you will obtain, basically, a weekly type benefit, typically under $300 a week for that disability. Now this would cover things like being in the hospital, being injured during a shortened period of time. Where a long term disability insurance policy, you might not have time to kick in to place. This would cover, basically, just some basic expenses that you've incurred while you were in the hospital or while you were under the care of a physician. So, that's what short term disability insurance coverage would provide. Typically, these insurance coverages are provided through government-type programs. Whereas, a long term disability would generally be something that you would want to purchase on your own to replace a lost income or wage for a lengthened period of time. These policies are mainly used to provide that short term interim period in between where you would be receiving some medical attention, but you may not be receiving your benefit yet from a long term disability policy. So, in conclusion, this has been John Pinelli talking to you today about short term disabilities.


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