Your health and ability to work may be your most important asset. Most people buy their house and their car using financing: mortgages and/or car loans and leases. They plan to pay for these necessities over time – from future income. You insure your house, your life, and your car, wouldn’t it make sense to insure the asset that makes it all happen – your paycheck? Short-term disability provides important income protection should you have an accident, or develop an illness and were unable to work. Statistics show that you are much more likely to be injured in an accident than to die from one. Advances in medicine are allowing us to live longer. However, recovery from a serious illness often requires time away from work. Short-term disability can replace up to 70% of your income should you become disabled. Benefits can begin as quickly as within seven days for Mis Sold PPI an illness, and with no waiting period for an accident. Benefits can last as long as two years. Create Maternity Leave Pay Workingwomen who are planning a pregnancy have an extra incentive to buy this valuable coverage: they are planning to use the benefit, and will likely generate maternity leave income that far surpasses the premium cost. Short-term disability pays a six-week benefit for a vaginal delivery, and an eight-week benefit for a c-section delivery, less the elimination period. Benefits may be extended if delivery complications require an extended time away from work. Apply preconception to lock in your short-term disability benefit for maternity leave, with at least a three-month buffer in case of premature birth. Most short-term disability policies contain an exclusion for normal delivery within the first nine months of the policy effective date.