What happens when you’re sick?

Short-term disability is private insurance that replaces some of your income if an injury or illness prevents you from working. While you are away from work, it pays you a certain percentage of your income for a set period of time. Some employers provide group policies as part of their benefits packages. If your employer does not offer short-term disability, or you want additional coverage, you can buy an individual policy from an insurance agent.

State temporary disability insurance (TDI) programs are currently available in six states/territories: