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Orlando Florida Short Term Disability Insurance

Did you know that if you’re a Florida resident and you get injured the state won’t help you? It’s true, the Florida government does not participate in any short-term disability programs, and therefore does not offer any short-term disability benefits. In other words, if you get injured, you’ll have to find another form of support for yourself and your family. Sounds scary right? It doesn’t have to. Protect yourself and your loved ones with short-term disability insurance. At the Orlando Insurance Store, we will help you prepare, so in case there’s an accident, you won’t have to worry about your finances.

If your accident happens while you’re “on the clock” or at work, your employer may have a basic worker’s compensation plan to help cover the costs of your accident. However, these plans are often lacking and their duration varies. Similar to their own stance on short term disability insurance, the state of Florida does not require employers to carry worker’s compensation insurance, which means your employer may not have basic coverage to help you if you get in an accident.

Don’t be fooled, just because Florida doesn’t provide coverage they do allow it. Your best option is to get your own private short term disability policy. We will work with you to determine the most appropriate short term insurance policy to protect you and your family and find the best rates for you.

Short term disability insurance is just as it sounds: a temporary financial band-aid to get you through an accident or illness. Under this policy, should you become too ill or injured to work you will temporarily receive a percentage of your salary. Often, these payouts start after you’ve used any sick time you may have accrued.  They usually last 2-6 months.

If you think you may be in a situation where you would want longer coverage, look at long term disability insurance. As insurance experts, we will discuss the similarities and differences between short and long term disability insurance and help you figure out which policy will offer the best protection.

Find comfort in knowing that in case of an accident, your and your family’s needs will be taken care of. Call today before you need it.