Written by Dawn Allcot and last updated on February 8, 2023. Samantha Silberstein and Michael Rosenston checked the facts.
Advertisers do not influence our recommendations. If you visit one of our recommended partners, we may be compensated. For more details, see our advertiser disclosure.
If you get sick or hurt outside of work, short-term disability insurance can often cover up to 70% of your base pay for a certain amount of time, and it may even cover more.
Short-term coverage through their employer or a private policy are available to employees.
Only a few states require that full-time workers be covered by their employers. If you don’t live in one of these states, you should shop around for disability coverage.
New York, New Jersey, California, Hawaii, and Rhode Island are the only ones that do not require it.1 Based on policies, pricing, features, and ratings from third parties, we chose the best short-term disability insurance providers.
Northwestern Mutual has been in business for a long time and has excellent ratings from third parties. Life insurance, short-term disability insurance, and other benefits are included.
The highest Financial Strength Rating from AM Best is A++ (Superior), and Northwestern Mutual has been in business since 1859.
Ameritas has been in business since 1887, and AM Best has given it an A (Excellent) rating for its financial strength. Ameritas is trusted due to its life span and stability.
These elements, combined with its wide assortment of approaches and riders, acquired it second spot among the momentary incapacity organizations we checked out.
