Individual Short Term Disability Insurance
2026 Pricing Survey
For instant quotes, provide the following information.
Occupation Class is assigned by underwriting based on individual factors, but here's how to make an educated guess:
1A = field environment with hazards
2A = field environment with low hazards
3A = office environment with light manual duties
4A = office environment with no manual duties
Short Term Disability Income
Policy Form | Selections Included | Benefit Amount | Elimination Period | Benefit Period | Monthly Premium | |
|---|---|---|---|---|---|---|
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $30.84 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $30.84 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $30.84 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $31.13 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $31.47 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $31.97 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $32.54 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $33.22 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $34.01 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $34.67 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $34.67 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $34.67 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $34.97 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $34.99 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $35.37 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $35.95 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $35.99 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $36.59 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $37.12 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $37.20 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $37.20 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $37.20 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $37.36 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $37.50 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $37.95 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $38.25 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $38.25 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $38.51 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $39.19 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $39.35 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $39.44 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $39.99 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $40.50 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $40.74 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $40.93 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $41.79 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $41.99 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $42.10 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $43.07 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $43.20 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $43.51 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $44.22 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $44.22 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $44.22 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $44.41 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $44.47 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $44.64 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $44.98 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $45.14 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $45.80 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $45.88 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $45.88 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $46.40 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $46.71 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $47.19 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $47.42 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $47.69 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $47.71 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $48.66 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $48.87 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $49.02 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $49.16 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $50.24 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $50.28 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $50.65 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $50.65 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $50.65 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $50.69 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $50.77 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $50.92 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $50.92 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $51.41 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $51.71 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $51.77 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $51.83 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $52.05 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $52.30 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $52.51 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $52.61 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $52.99 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $53.12 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $53.21 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $53.44 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $53.52 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $53.77 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $53.82 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $54.12 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $54.50 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $54.66 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $54.71 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $54.71 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $54.71 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $54.74 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $54.80 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $54.88 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $55.03 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $55.09 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $55.11 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 26 weeks | $55.16 | |
Assurity Life, IH2016 | Base policy only | $1,000 per week | 14 days | 13 weeks | $55.19 |
Notice this pays a weekly benefit rather than a monthly benefit, which is unusual for DI.
Long Term Disability Income
Accident
Policy Form | Selections Included | Benefit Amount | Elimination Period | Benefit Period | Monthly Premium | |
|---|---|---|---|---|---|---|
Assurity Life, ih2203 | Base Plan, 24 hour option, Disability Income Rider | $1,800 per month | 90 days | 2 years | $28.35 |
Frequently Asked Question
Does Short Term Disability Insurance pay benefits for pregnancy?
Once pregnant, it is too late to purchase any form of disability insurance for pregnancy risk specifically.
If purchased in advance, short term disability insurance benefits for a pregnancy-related disability are generally possible, subject to at least one of the following conditions, depending on the product:
-
the policy may cover only complications of pregnancy, not normal pregnancy, or
-
a longer Elimination Period (i.e., 90 days as measured from the first day of disability) may be required before benefits begin to accrue, or
-
there may be a temporary pregnancy exclusion for the first 9-12 months of the policy's existence, or
-
it may be an employee benefit, or
-
there may be a pre-existing condition limitation in effect for some period of time after coverage begins (12 months or 24 months are common)
When purchased individually, qualifying for a policy is subject to a review of medical information. Medical questionnaires may ask about:
-
Current pregnancy
-
History of pregnancy complications
-
Fertility treatment
If currently pregnant, insurers may take one of two actions: (1) issue the policy with an exclusion amendment for pregnancy and complications or (2) postpone making an underwriting decision until three months after delivery, at which time coverage is made available on the same basis as it would for any other applicant. A few products don't screen for pregnancy at all, which is made possible by policy limitations (discussed above).
If the applicant has a history of pregnancy complications, complications are likely to be excluded by amendment regardless of how the pregnancy question is answered due to higher risk of complications with a possible future pregnancy. If there is a history of pregnancy complications, placement decisions may favor an insurer that doesn't ask.
Fertility treatment can trigger an exclusion amendment for pregnancy complications, however some carriers are more liberal on fertility treatment than others. Not all insurers are concerned with this.