- While short term disability insurance can come as one of the benefits offered by the employer, a small percentage of the employers actually do it. This arises a need for individuals to find their own ways of protecting themselves in a case when they would need short term disability insurance. But because it’s a relatively unknown area to many, you may get confused as to what exactly needs to be filled in, when, and through which company.
That’s why, in order to help you find your way easier, I’ve made a simple 3-step guide to help you get your short term disability insurance to protect you in times of misfortune.
1. Find a provider
Before you start looking at providers outside of your company, ask if there are some short-term disability insurance plans you can get through your employer or a union. It’s a simpler way to have short term disability insurance because the premiums will be deducted from your paycheck and you won’t have to think about paying them every month.
But, if your company or union doesn’t have this option, you can go to the insurance market and find a provider that will help you get the best conditions.
The best way to find yourself a good short term disability insurance is through an agent. An insurance agent will help you compare the insurance rates between different providers and explain why some rates are higher than others. Additionally, agents know how the market works and which companies offer better conditions than others, and will give you the information you need to make a better and a more informed decision.
2. Fill an application form
Once you’ve made a decision on the insurance provider you will use, the next step is to fill out an application form for your short term disability insurance policy. If your employer’s union doesn’t offer these types of services, it can be done through your personal insurance agent.
After you fill out the application, send it to the insurance company to receive information on what the next course of action would be.
3. Pay your premiums
When you’ve finished the process of application and you’ve signed your short term disability insurance policy, you’re all set. All you need to do is pay your premiums regularly. If your short term disability insurance is through your employer, you can ask them to deduct the premium from your paycheck. Otherwise, you’re responsible to make the monthly payments on your own.
We are official agents for leading insurers across the country – names you know and trust. Our goal is to supply each and every customer with quotes from those insurance companies so that they can compare their options, and choose the right short term disability coverage quote for their needs. We’ve successfully helped thousands of clients do just that.
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