Having short term disability coverage through your employer is great, but what if you become totally disabled and can not return to work for months, or even years? (termlife2go.com)
Further, you may be self - employed and need your STD insurance policy to provide income benefits until your long term disability coverage starts. (termlife2go.com)
You should definitely look at long - term disability coverage through your association - which is often less expensive than buying on your own because the insurer is offering a group rate. (policygenius.com)