Short-term disability insurance coverage that offers quality benefits is sometimes difficult to find, especially for postal employees.
The reasons for this is because of the repetitive tasks and physical duties typically associated with the profession.
Over the course of time the frequent bending, lifting, standing and walking result in rising claim rates, so insurers often steer clear of coverage altogether.
Fortunately, supplemental short-term disability is available for qualifying individuals.
Benefits of Short-Term Disability Insurance
Short-term disability benefits offer protection for your family in the event of injury or sickness that deems you unable to work.
Most families are only a few hundred dollars away from being unable to cover monthly costs including rent or mortgage, utility bills, groceries, and transportation.
No one likes to think it may happen to them, but it is a reality and something worth considering.
Short-term disability insurance coverage has to be activated prior to a work-loss event.
Short-term disability insurance is designed so that if you find yourself out of work, the benefits begin paying you each month
The funds received through your short-term disability insurance policy help cover the costs of living for up to 12 months, and includes up to 70% of your normal income, depending on the plan coverage.
Short-term disability insurance provides peace of mind and offers stability for your family until you are able to get back on your feet.
Short-Term Disability Insurance for Postal Service Workers
Many employers offer short-term disability insurance to employees, but that is not always the case with postal service workers.
This is largely due to the work conditions in the field.
However, there are coverage options for supplemental insurance, as long as the policies are acquired prior to injury or missed work due to sickness.
Coverage is offered through Letter Carrier Disability Insurance and USPS Short Term Disability Insurance.
At esupplemental.com we offer short-term disability insurance options for federal and postal employees.
We work with top rated insurance providers so we can provide you with the best coverage possible.
The programs available offer options for coverage including the choice of a 2-week or 4 week waiting period for payouts to begin and our rates are the same regardless of age.
To find out more about the eligibility process and coverage options click here.
Our team of professionals is dedicated to helping you find the insurance necessary to protect you and your family. Contact us today.
Michaela Hemsley says
Thanks for explaining that short term disability insurance can help give you and your family stability until you can get back to work. My husband is thinking about applying for a job as a postal worker, and we are trying to figure out what all his insurance options are since he would be a federal worker. I think it would be smart for him to look into different disability insurance plans so that he can make sure he’s covered if something happens while he’s on the job.
We have a great Guaranteed Issue Short Term Disability policy for Postal Employees. Please take a look at the following link: https://www.esupplemental.com/short-term-disability/