Short-term Disability Insurance

A short-term disability insurance in a career as a postal worker has many rewards – including a good paycheck and essential work that benefits the community. But being injured can change everything in a heartbeat.

How would it affect your family if you were injured and could not work for an extended period?

With Postal Disability Coverage, you do not have to think about it. Instead, you will know that if you are sick or injured and cannot work, your plan can provide income for you and your family to continue paying the daily living costs.

You can rest easy knowing that your family has something to fall back on while you heal or recover.

Get short-term disability insurance exclusively for Postal Service employees.

Call John at (918) 521-6008.

Why Postal Workers Need Short-Term Disability Insurance

If you are injured on the job, your only income will likely come from workers’ compensation. Or Social Security Disability Insurance (SSDI) benefits. The money you receive through these programs may not be enough to cover your living expenses in the short term. You could risk losing your home or going into debt.

Short-term disability insurance is often not covered by employers, so it is essential to purchase it yourself. If you become disabled and do not have coverage, you could be forced to file for bankruptcy to pay your bills.

Statistics show that 40% of Americans will experience a short-term disability before retiring. But 60% do not have enough savings to cover three months of living expenses in an emergency. So if you are one of the half million US postal service workers, Postal Disability Coverage can give you peace of mind.

When am I Covered?

Coverage 24/7, 365 days a year

Short-term disability insurance can protect against lost income while you are recovering from:

• Pregnancy
• Illness
• Injury on the job
• Injury off the job
• Surgery

Suppose a severe illness or injury keeps you out of work for more than a few weeks. In that case, short-term disability insurance can help bridge the gap between your savings and any income replacement benefits your employer provides.

You can use the benefit to cover lost wages, medical expenses, and rehabilitation services. The amount can differ depending on the type of policy you purchase. Typically, your policy pays up to 60% of your lost wages for up to 12 months.

Protect Your Future Today

Short-term disability insurance is one of the most important types of insurance you can buy. It allows you to take time off without losing your job or missing out on paychecks. You can also use the time for medical treatment or recovery without worrying about how you will pay your monthly bills like rent and mortgage payments, car payments, and groceries.

Most people do not think about short-term disability insurance until they need it. The reality is that when these things happen, it is hard to know where the money will come from. That is why short-term disability insurance is so important.

Protection for Government Employees

The most common benefits that government agencies provide include long-term disability insurance and health insurance. But, unfortunately, these two types of coverage do not provide enough financial support when you are on short-term disability leave.

Check with your state government about whether or not they have any programs for offering short-term disability insurance for government employees. Although the government provides some benefits for short-term disabilities, they only go so far. Postal Disability Coverage can help you obtain the financial protection you need to safeguard yourself and your family in an emergency.