Short Term Disability coverage - Really Needed in GA?

Most short term disability plans in GA provide insurance cover for 13-52 weeks if you get hurt or sick and can’t work. With an accident, your short term disability insurance benefits would begin on day 1. With illness, your short term disability insurance benefits could begin on day 8. It is important to read your summary of disability insurance benefits and understand your exact benefits before taking on short term disability insurance in Georgia. The question with short term disability insurance in GA is:

“If my short term disability insurance in Georgia only covers me for 13 weeks, do I really need short term disability coverage in GA”? The answer to this question really depends upon your finances. Ask yourself, if you were to get hurt or sick and couldn’t work, how long could you go without your paycheck?

If your answer is 2 weeks or less, then I would say yes! - you should keep your short term disability coverage in GA. If you can last for 6 months or more without an income from your savings, then short term disability in GA may be optional for you.

Most short term disability insurance coverage is offered through employers and you may not be able to opt out of your insurance benefits. If the employer is paying for your disability insurance benefits in GA, you’re lucky. Enjoy!