This insurance is most important of all the disability insurance policies you must insure. All other ones are only for yourself, not for a family member.
About best short term disability insurance:
Best short term disability insurance can help you and your family survive medical emergencies and provide the income that you need to cover those costs. But this insurance isn't right for everyone.
-Wages are protected, you can be paid through unemployment benefit if you are laid off or disabled. (One benefit is it may lower your wages temporarily.)
Pros of best short term disability insurance:
Best short term disability insurance coverage will help you and a loved one cover any type of short term disability that may happen within a certain period of time, ranging from 1 week to 12 months.
-It pays the first 60 days of salary if the employee is out for a specified number of days due to illness. The insurance pays the balance of compensation.
Pros of best short term disability insurance:
Best short term disability insurance provides financial protection for your business in event you are unable to work for reasonable amount of time. It is a relatively young field of reduced benefits.
Cons of best short term disability insurance:
-Premiums can be high; many pay more than a short term health insurance. You won't get healthcare benefits like with a group health insurance policy.
Best short term disability insurance has flexibility. An employee will be much happier if they receive part-time pay which is a significant discount in comparison to salary. Premiums can be high too.