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Short-Term Disability Insurance for Temporary Income Gaps

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What short-term disability covers

Income Protection for Weeks or Months

Short-term disability insurance can replace a portion of your paycheck during a covered illness, injury, or recovery period. Typical benefit periods range from a few weeks up to three or six months. Many policies start after a short waiting period such as seven or fourteen days. Granen Insurance explains how this fits with your Disability Insurance plan and how it differs from Long-term disability for extended needs.

Hand holding a wheelchair.

When it makes sense

  • You have little paid sick leave or savings
  • You want coverage for recovery after surgery or an injury
  • You are planning for potential pregnancy-related leave where eligible under the policy


Louisiana does not provide a state disability program, so personal or employer coverage often fills the gap.

Stack of money with percentage symbol.

Benefit design basics

Policies often pay about 60 to 70 percent of weekly income. You select the elimination period and benefit duration to match your budget. We review policy definitions, pre-existing condition rules, and optional riders so there are no surprises at claim time.

FAQ –   Short-term disability

Answers to Common Questions

  • Can I buy coverage if my employer does not offer it?

    Yes. Individual policies are available in Louisiana.

  • Is pregnancy covered?

    Group plans often include maternity benefits. Individual policies vary by carrier. We confirm specifics before you apply.

  • What is not covered?

    Work-related injuries fall under workers compensation. Self-inflicted injuries and certain conditions may be excluded by policy terms.

Protect Your Income During Recovery

Temporary Income Replacement When You Can’t Work

Short-term disability insurance provides crucial financial support during illness or injury—helping you cover expenses until you’re back on your feet.