Short-Term Disability Insurance is a Waste of Money... With Two Very Specific Exceptions

Short-Term Disability Insurance Is a Waste of Money… With Two Very Specific Exceptions

In honor of Disability Pride Month, we’re coming to you with our hot and sweaty take on short-term disability insurance. We’re going to explain what it is, how it works, and why you probably don’t need it… unless, of course, you’re in two very specific situations. Ooooh, look at me go, building that mystery!

No disability-related topic can ever be simple. But we’ll do our best to make the pros and cons of short-term disability insurance super clear! And since we’re generally not enthusiastic about it, we’ll explain some of your (many) other, better options.

Fun fact: the insurance industry abbreviates short-term disability insurance as “STD.” Unlike my biblical ancestress, I swear to resist the temptation of a low-hanging fruit.

Abbreviating "short-term disability insurance" as "STD" is like a carrot with a giant box held up with a stick and a string for me, specifically.
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