Buying short-term disability (STD) insurance is a process of securing temporary income replacement—typically —if you become unable to work due to a covered illness, injury, or pregnancy. While most people obtain this coverage through an employer, it can also be purchased individually or through state programs. 1. Identify Your Purchase Method

There are three primary ways to acquire a short-term disability policy:

Short-Term vs. Long-Term Disability Insurance Differences - Aflac