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- Short term disability insurance is a type of insurance that provides income replacement benefits to employees who are unable to work due to an illness or injury for a specified period of time, typically up to six months. It is designed to help cover living expenses such as rent, utilities, and food while you are unable to work. It is often offered as an employee benefit through your employer, but individual policies can also be purchased through insurance carriers.
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- Workers' compensation insurance provides benefits to employees who are injured or become ill as a result of their job. It is a mandatory insurance program in most states in the US and is designed to protect both employees and employers. In exchange for providing workers' compensation insurance, employers are typically protected from lawsuits by injured employees.
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