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Group Short-Term Disability Insurance Service in Texas

Navigating life’s hurdles becomes substantially easier when backed by a reliable safety net. Group Short-Term Disability Insurance acts as that robust safety net, offering a financial bridge during challenging times. Be it recuperating from surgery, recovering from an accident, or managing a sudden health setback, this policy ensures you have the financial support needed to focus solely on your recovery.

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What is Group Short-Term Disability Insurance?

Group Short-Term Disability Insurance (STDI) serves as a protective shield during temporary health crises, safeguarding your income and allowing you to concentrate wholly on recuperation. Here’s how it supports you:

  • Coverage: STDI comes into play by replacing a part of your income if a short-term disability prevents you from working. Generally, it aims to replace around 60% of your weekly earnings, within the bounds of policy limits.
  • Elimination Period: Before the benefits begin, there is a short waiting or ‘elimination’ period, usually spanning 7-14 days, akin to a deductible in other insurance types.
  • Duration: Keeping true to its name, STDI benefits last for a limited period, typically ranging from 13 to 26 weeks. This duration helps bridge the financial gap until you can return to work or until a long-term disability policy takes effect.
  • Affordability & Convenience: Group policies often come at a more affordable rate compared to individual plans, thanks to the pooling of members. Additionally, being part of an employer’s benefit package facilitates hassle-free administration and easy enrollment during the designated periods.

Did You Know?

Short-Term Disability Insurance proves to be indispensable during critical life events such as maternity leaves, post-surgery recovery periods, or managing health challenges such as long-term effects of Covid. It offers a financial safety net, helping to maintain stability in your life even during temporary setbacks.

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A Word From the iSure Team

Life is unpredictable, which is why it’s essential to be prepared. Did you know that one in four individuals will face a short-term disability before they turn 67? That’s a significant number, but don’t worry, we’re here to help. Our guidance is completely free, and as brokers, we offer the best rates from top carriers. We provide customized solutions to meet your unique needs, whether it’s GLTD, critical illness and accident, health, dental, vision, or life insurance. So, please don’t hesitate to reach out to us for assistance.


How do I choose the right short-term disability insurance plan for my business?

Start with a thorough analysis of your workforce’s demographics, including average age and job functions. Assess your current benefit structures and identify the gaps. Striking a balance between coverage amounts, elimination periods, and premium costs, as well as comparing offerings from various providers, will help in making a financially sound and beneficial decision for your employees.

What are the different types of short-term disability insurance plans?

STDI plans primarily differ in the percentage of salary they cover, the length of the elimination period, and the duration of the coverage. They might also integrate with other benefits such as paid time off, creating a comprehensive benefit package for employees.

What are the benefits of short-term disability insurance?

STDI presents several benefits. For employees, it ensures a steady income during health setbacks, offers a straightforward claims process, and competitive rates. Employers benefit from improved talent attraction and retention, cost-effective solutions, and streamlined administration.

Who We Help

At iSure LLC, we pride ourselves on offering comprehensive group insurance solutions tailored to a myriad of sectors and companies small, medium, and large. From the bustling energy of oil and gas firms to the precision of medical practices, our expertise caters to a vast spectrum of industries and business scales.

Oil Companies

Medical Practices, Hospitals, & Labs

Law Firms

Financial, Stock, & Accounting Firms

Construction Companies

Real Estate Offices

Manufacturing Firms

Aviation, Transportation, & Logistics

and Many Other Industries

Company Sizes We Help

2-4 Employees

5-49 Employees

50-99 Employees

100-250 Employees