Who is eligible to receive benefits from Short-Term Disability insurance?

Short-Term Disability insurance is specifically designed to provide financial support to the individual policyholder when they are unable to work due to a covered medical condition. The benefits are tailored to help the policyholder manage their expenses during periods of temporary disability, ensuring they have some income replacement while they focus on recovering.

Only the policyholder can directly receive these benefits, as the insurance is linked to their employment and personal circumstances. This focus on the individual aligns with the purpose of disability insurance, which is meant to protect the earning potential of the person who has paid for the policy. Other entities, such as dependents or employers, do not qualify for benefits under this insurance policy.