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Disability Insurance:
When the Unexpected Happens

No one wants to think about the possibility of being unable to work because of an illness or injury that sidelines them for a period of time. Yet the unfortunate reality is that one out of four Americans will be disabled for three or more months throughout their career.*

It’s critical to have a safety net to continue to pay the bills, protect your family, and maintain your lifestyle and everything you’ve worked so hard to obtain.

Presidential Life offers short-term individual disability insurance that helps protect you by protecting your ability to earn an income.

Stats to Consider

51
million

At least 51 million working adults in the United States lack disability insurance other than the basic coverage available through Social Security.

40%

Only 40% of U.S. households have enough liquid savings to cover at least three months of recurring expenses, and only 28% can cover at least six months.

1 in 4

One in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the average retirement age.

5%

Each year around 5% of working Americans will experience a short-term disability (six months or less) due to illness, injury, or pregnancy.

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Inside Short-term
Disability Insurance

Short-term disability insurance is a type of insurance policy that provides financial support to individuals who are unable to work due to a temporary illness or injury.

The coverage helps replace a portion of an individual’s income during the period of disability. The amount and duration of benefits vary depending on the specific policy. Coverage helps:

  • Protects your paycheck up to a certain amount
  • Covers mental illness and substance abuse
  • Provides flexibility to choose a plan that fits you
  • Allows you to maintain your lifestyle until you’re back on your feet

 

Even if you have disability insurance through your workplace, coverage may be limited and may not provide the income you need to meet your obligations.

Or perhaps you are in a highly specialized field like the medical profession and need coverage that will be suited to your occupation.

If you are self-employed, securing short-term disability insurance adds to your peace of mind.

At Presidential Life, we’re here to help protect you, your family, and what really matters to you.

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