Short-term disability insurance
If you receive a paycheck, here's a way to protect your earned income. A short-term disability policy offers you income protection to help cover monthly expenses (such as mortgage, rent, utilities, or car loan) if you're unable to work because of a total disability due to illness or injury.
Policy options are designed especially for short-term disability. They include one- and three-year benefit periods, with a monthly benefit amount ranging from $300 to $3,000 (subject to your income and occupation class).
Did you know?
- Only 40 percent of American adults indicate they have enough savings to cover three months of living expenses in the event they're not earning any income.1
- Every year, about 5 percent of working Americans will experience a short term disability (six months or less) due to illness, injury or pregnancy.2
Short-term disability insurance
Coverage for you
Short-term disability insurance can provide funds for whatever you need to protect. Mortgage, rent, or a car loan are just some of the monthly expenses that can be funded. The benefit period and monthly amount choices allow you to choose the right coverage for you.
Simple application
The short application process allows you to get the coverage you need faster than ever.
Do you have the resources today?
Using savings
Savings accounts can serve as a temporary safety net, but most people haven't saved enough. A disability policy can provide a longer-term solution. 40 percent of households don't have enough savings to replace their income for three months.3
Collecting social security
Because the definition of disability is very strict (the disability must be expected to last 12 months or more, or result in death), it generally takes three to five months from time of application for Social Security Disability Income (SSDI) benefits to receive an initial decision.4 In 2021, the average SSDI benefit amount is $1,441 per month.5
Consider short-term disability insurance
For additional information on short-term disability insurance or long-term disability insurance, schedule some time with a State Farm® agent to talk about your disability insurance needs.
Make an informed choice
Disclosures
1 Disability Statistics
2 Disability Statistics
3 Disability Statistics
4 Social Security - What You Should Know Before You Apply for Social Security Disability Benefits
5 Social Security Administration - Monthly Statistical Snapshot, October 2021
Disability insurance products are not available in MA, NJ, and RI.
The information provides a brief, general description of the coverage provided by these policies. It is not a contract and certain exclusions and limitations apply. A complete statement of the coverage provided is found only in the policy itself. Policy coverages, exclusions, and limitations may vary in some states.
For exact terms and conditions see:
Short-Term Disability policy series 97066 (policy form ICC17 97066IC1 in ID, policy form 97066MT (2017) in MT).
This section describes situations and conditions in which payment will be limited or denied even if you otherwise qualify for benefits.
AK, AL, AR, AZ, CT, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. Attempted suicide or intentionally self-inflicted Injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
CA –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days; or
9. Attempted suicide or intentionally self-inflicted Injury.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
DE –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection. Participation is the act of taking part of sharing in something, and a riot is a disturbance of the peace of several persons, assembled and acting with a common intent in executing a lawful or unlawful enterprise in a violent and turbulent manner;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. Attempted suicide or intentionally self-inflicted Injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
FL –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war. We will not construe an act of terrorism to be an act of undeclared war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. Any period of legal incarceration in a penal or correctional institution
9. Attempted suicide, while sane or insane, or intentionally self-inflicted Injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
MT –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. War, declared or undeclared, or any act of war;
2. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
3. Your participation in the commission of a felony, riot, or insurrection;
4. Your engagement in an illegal occupation;
5. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
6. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days; or
7. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences 12 months or more after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
ND –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, Complications of Pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. Attempted suicide or intentionally self-inflicted Injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
NY –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard;
4. Your participation in the commission of a felony, riot, or insurrection;
5. We shall not be liable for any loss to which a contributing cause was your commission of or attempt to commit a felony or to which a contributing cause was your being engaged in an illegal occupation;
6. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect; or
7. Attempted suicide or intentionally self-inflicted Injury.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two (2) years or more after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
SD –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Injury or sickness caused in the commission of a felony;
5. Your engagement in an illegal occupation;
6. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
7. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
8. Attempted suicide or intentionally self-inflicted Injury; or
9. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition during the first 12 months after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
WY –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. Attempted suicide or intentionally self-inflicted Injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences 12 months or more after the effective date of coverage.
2. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one (1) injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) injury or one (1) sickness. In no event will you be considered to have more than one (1) continuous period of disability at the same time.
State Farm Mutual Automobile Insurance Company
Bloomington, IL
IH-STD-1.3