Help your employees protect their income if they need to take time off for a short-term illness or the birth of a baby.

Insurance Tip

You can save money on the short-term disability premiums for your group by asking employees to contribute to a percentage of the premium, getting a plan with a longer waiting period or shorter benefit period, or offering it as a voluntary plan.

Although Texas does not require employers to offer short-term disability policies, many employers offer it in order to enhance their benefits package. Depending on the plan, short-term disability coverage can:

• Help group members who suffer from a short-term illness or injury pay bills and maintain their standard of living.
• Offer benefits if a group member takes time off because of the birth of a child.
• Allow employers to choose a benefit period that fits their budget.
• Provide coverage for total or partial disabilities.

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