Voluntary Short Term Disability Income Insurance

Receive benefits to replace part of your paycheck when you’re injured or ill and unable to work.

Voluntary Short Term Disability Income Insurance provides you with benefits to replace part of your paycheck when you can’t work because of a sickness or injury. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period.  Availability may vary by state.

What is Voluntary Short Term Disability Income Insurance?

Voluntary Short Term Disability Income Insurance provides you with benefits to replace part of your paycheck when you can’t work because of a sickness or injury. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period. During the waiting period, you may be able to use your vacation or sick time if offered. Generally, Short Term Disability benefits are paid for a few weeks to a few months.

How can Short Term Disability benefits be used?

When your claim is approved, you will receive weekly benefits to replace part of your income based on your coverage level. You may use this money however you would like. Below are a few examples of how your Short Term Disability benefits could be used, depending on how much coverage you have:

  • Everyday expenses, such as groceries, utilities, house payments and car payments 
  • Medical bills and recovery expenses 
  • Support services during your recovery

Do I need to provide health information?

You are eligible for guaranteed issue, which means no medical questions are required to enroll in this coverage. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period.  Preexisting conditions may apply. 

How much does it cost?

To find out the exact cost of your insurance, you may request an application by clicking here. All applications will include a rate sheet.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Short Term Disability Income Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-STD-POL-10, #RL-STD-POL-20, or #HP-8GP (may vary by state).

Real Life Example

Tara slipped and fell, causing her to strain her back, which left her unable to do her job. Fortunately, Tara had purchased Voluntary Short Term Disability Income Insurance through her employer, which provided her with benefits to replace 60% of her regular pay while she was unable to work. This helped reduce the potential financial strain Tara would have faced without this insurance. Seven weeks later, Tara’s back had healed, and she was able to return to work.

Monthly expenses:

Car payment $600
Mortgage/monthly rent $1,500
Everyday expenses + $500
Total monthly expenses $2,600
Monthly short term disability benefit (60% of normal income of $4,200) $2,520
Monthly benefit paid $2,520

This is shown for illustrative purposes only. Actual results may vary. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.