Short Term Disability Insurance in Stuart, Melbourne, Vero Beach, Sebastian, Palm Bay, FL, and the Surrounding Areas
When an accident happens at work, it can create stress for both employers and employees. A sudden illness, injury, or temporary health setback can disrupt life and work, creating a ripple effect that impacts the peace of mind for everyone involved.
At Ostrom Group, LLC, we help employers and individuals get the right short-term disability insurance in Vero Beach, Sebastian, Palm Bay, Melbourne, Stuart, FL, and the surrounding area. Our programs are meant to protect incomes, support well-being, and strengthen financial stability so that employees can focus on recovery without worry and employers can maintain a resilient, confident workforce; it is a win-win for everyone involved.
Coverage & Eligibility
Short-term disability insurance is designed to replace a portion of your income if you are temporarily unable to work due to illness, injury, or surgery. For employers, adding short-term disability insurance to your benefits package not only protects your employees but also enhances your ability to attract and retain top talent. For individuals, it ensures that a temporary health challenge does not derail their financial plans. Here is what coverage often includes:
- Partial income replacement, usually between 50% and 70% of salary
- Benefits for illnesses, injuries, surgeries, or recovery periods that temporarily prevent work
- Flexible benefit durations often range from 8 to 26 weeks, depending on plan structure
Eligibility for employers often depends on classification, length of employment, or employer-selected policies. For individuals, eligibility is typically based on age, occupation, and health status.
Cost & Benefits
Many employers worry about the cost of adding short-term disability insurance to employee benefits, but it is often more affordable than anticipated. Premiums for group policies are typically based on employee demographics, occupation types, and income levels, making it possible to provide meaningful protection without straining your budget. Our agents can provide you with an accurate quote!
For both employers and individuals, the benefits of short-term disability insurance far outweigh the costs. It provides financial protection during recovery periods, reduces stress, and allows the ability to focus on healing rather than bills and missed paychecks.
Short-Term Disability Insurance for Peace of Mind
At Ostrom Group, LLC, we understand that short-term disability insurance is more than a policy; it is a promise. A promise to your employees that their financial well-being matters, and a promise to yourself that you or your team will be protected in case life takes an unexpected turn.
Our team brings decades of expertise and a compassionate approach to helping employers and individuals select short-term disability insurance in Vero Beach, Sebastian, Palm Bay, Melbourne, Stuart, FL, and beyond that that fits their unique needs. Contact us today to get a quote on short-term disability insurance and learn more about the peace of mind that comes with being prepared!