Short-term disability insurance

If you receive a paycheck, 在这里's a way to protect your earned income. 短期残疾pp王者电子官网为你提供收入保障，以帮助支付每月的开支(如抵押贷款), 租金, 公用事业公司, 或者汽车贷款)，如果你因为疾病或受伤而完全残疾而无法工作.

Policy options are designed especially for short-term disability. They include one- 和 three-year benefit periods, with a monthly benefit amount ranging from $300 to $3,000 (subject to your income 和 occupation class).

联系 an agent near you

或打电话 844-242-1899844-242-1899 作为报价.

你知道吗??

只有40%的美国成年人表示，如果他们没有任何收入，他们有足够的储蓄来支付三个月的生活费用.¹
每年, 大约5%的美国工人会因疾病而经历短期残疾(六个月或更短), 受伤或怀孕.²

Short-term disability insurance

你的pp王者电子官网范围

短期伤残pp王者电子官网可以为你需要保护的任何东西提供资金. 抵押贷款、租金或汽车贷款只是每月可以支付的一些费用. 受益期和每月金额的选择让您选择适合您的pp王者电子官网.

简单的应用程序

较短的申请过程使您能够比以往更快地获得所需的覆盖范围.

Do you have the resources today?

用自己的积蓄

储蓄账户可以作为一个临时的安全网，但大多数人的储蓄还不够. A disability policy can provide a longer-term solution. 40%的家庭没有足够的存款来支付三个月的收入.³

Collecting social security

因为残疾的定义非常严格(残疾必须持续12个月或更长时间), 或者导致死亡), 从申请社会保障残疾收入(SSDI)起，一般需要三至五个月的时间才能收到初步决定.⁴ In 2021, the average SSDI benefit amount is $1,441 per month.⁵

Consider short-term disability insurance

For additional information on short-term disability insurance or long-term disability insurance, schedule some time with a State Farm®代理 to talk about your disability insurance needs.

Make an informed choice

Long Term 残疾 pp王者电子官网

披露的信息

1 残疾 Statistics
2 残疾 Statistics
3 残疾 Statistics
4 社会保障-在你申请社会保障残疾福利之前你应该知道什么
 5 社会保障管理局-每月统计快照，2021年10月

残疾 insurance products are not available in MA, NJ, 和 RI.

这些信息提供了这些保单所提供的pp王者电子官网范围的简要、一般描述. It is not a contract 和 certain exclusions 和 limitations apply. 所提供的pp王者电子官网范围的完整说明只能在pp王者电子官网单本身找到. Policy coverages, exclusions, 和 limitations may vary in some states.

For exact terms 和 conditions see:
短期残疾 policy series 97066 (policy form ICC17 97066IC1 in ID, policy form 97066MT (2017) in MT).

本节描述的情况和条件，付款将受到限制或拒绝，即使你有资格获得福利.

AK, AL, AR, AZ, CT, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. Normal pregnancy 和 childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;

2. War, declared or undeclared, or any act of war;

3. Active duty in the armed forces, 辅助单位, 国民警卫队, 或任何国家或国际机构的类似政府组织;

4. Your participation in the commission of a felony, riot, or insurrection;

5. Your engagement in an illegal occupation;

6. Your legal intoxication defined by state law w在这里 the loss occurs, 或因使用麻醉品或其他管制药物而造成的损失, unless administered on the advice of a physician;

7. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;

8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;

9. Attempted suicide or intentionally self-inflicted Injury; or

10. 暂停、放弃或撤销您的职业执照或证书.

限制. The following limitations apply to this policy:

1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, 除非该等损失在pp王者电子官网生效日后两(2)年或更长时间发生或伤残.

2. Concur租金残疾. 如果连续的残疾是由一种以上的伤害或疾病引起或持续的, it is a concur租金 disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被认为同时有超过一(1)个连续的残疾期.

CA –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. Normal pregnancy 和 childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;

2. War, declared or undeclared, or any act of war;

3. Active duty in the armed forces, 辅助单位, 国民警卫队, 或任何国家或国际机构的类似政府组织;

4. Your participation in the commission of a felony, riot, or insurrection;

5. Your engagement in an illegal occupation;

6. Your legal intoxication defined by state law w在这里 the loss occurs, 或因使用麻醉品或其他管制药物而造成的损失, unless administered on the advice of a physician;

8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的; or

9. Attempted suicide or intentionally self-inflicted Injury.

限制. The following limitations apply to this policy:

DE –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. Normal pregnancy 和 childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;

2. War, declared or undeclared, or any act of war;

3. Active duty in the armed forces, 辅助单位, 国民警卫队, 或任何国家或国际机构的类似政府组织;

4. Your participation in the commission of a felony, riot, or insurrection. Participation is the act of taking part of sharing in something, 和 a riot is a disturbance of the peace of several persons, 以暴力和动荡的方式组建并以共同的意图执行合法或非法的企业;

5. Your engagement in an illegal occupation;

6. Your legal intoxication defined by state law w在这里 the loss occurs, 或因使用麻醉品或其他管制药物而造成的损失, unless administered on the advice of a physician;

8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;

9. Attempted suicide or intentionally self-inflicted Injury; or

10. 暂停、放弃或撤销您的职业执照或证书.

限制. The following limitations apply to this policy:

FL –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. Normal pregnancy 和 childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;

2. War, declared or undeclared, or any act of war. We will not construe an act of terrorism to be an act of undeclared war;

3. Active duty in the armed forces, 辅助单位, 国民警卫队, 或任何国家或国际机构的类似政府组织;

4. Your participation in the commission of a felony, riot, or insurrection;

5. Your engagement in an illegal occupation;

6. Your legal intoxication defined by state law w在这里 the loss occurs, 或因使用麻醉品或其他管制药物而造成的损失, unless administered on the advice of a physician;

8. Any period of legal incarceration in a penal or correctional institution

9. Attempted suicide, while sane or insane, or intentionally self-inflicted Injury; or

10. 暂停、放弃或撤销您的职业执照或证书.

限制. The following limitations apply to this policy:

MT –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. War, declared or undeclared, or any act of war;

2. Active duty in the armed forces, 辅助单位, 国民警卫队, 或任何国家或国际机构的类似政府组织;

3. Your participation in the commission of a felony, riot, or insurrection;

4. Your engagement in an illegal occupation;

5. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;

6. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的; or

7. 暂停、放弃或撤销您的职业执照或证书.

限制. The following limitations apply to this policy:

1. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, 除非该等损失在pp王者电子官网生效日期后12个月或更长时间发生或残疾.

ND –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. Normal pregnancy 和 childbirth; however, Complications of Pregnancy, as diagnosed by a physician, are covered as a sickness;

2. War, declared or undeclared, or any act of war;

3. Active duty in the armed forces, 辅助单位, 国民警卫队, 或任何国家或国际机构的类似政府组织;

4. Your participation in the commission of a felony or insurrection;

5. Your engagement in an illegal occupation;

6. Your legal intoxication defined by state law w在这里 the loss occurs, 或因使用麻醉品或其他管制药物而造成的损失, unless administered on the advice of a physician;

8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;

9. Attempted suicide or intentionally self-inflicted Injury; or

10. 暂停、放弃或撤销您的职业执照或证书.

限制. The following limitations apply to this policy:

NY –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. Normal pregnancy 和 childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;

2. War, declared or undeclared, or any act of war;

3. Active duty in the armed forces, 辅助单位, 国民警卫队;

4. Your participation in the commission of a felony, riot, or insurrection;

5. 对于因您犯下重罪或企图犯下重罪或因您从事非法职业而导致的任何损失，我们概不负责;

6. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术; or

7. Attempted suicide or intentionally self-inflicted Injury.

限制. The following limitations apply to this policy:

SD –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. Normal pregnancy 和 childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;

2. War, declared or undeclared, or any act of war;

3. Active duty in the armed forces, 辅助单位, 国民警卫队, 或任何国家或国际机构的类似政府组织;

4. Injury or sickness caused in the commission of a felony;

5. Your engagement in an illegal occupation;

6. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;

7. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;

8. Attempted suicide or intentionally self-inflicted Injury; or

9. 暂停、放弃或撤销您的职业执照或证书.

限制. The following limitations apply to this policy:

1. Pre-existing Condition Limitation. 在pp王者电子官网生效日期后的前12个月内，我们将不支付因既存疾病造成的损失.

WY –

除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失赔偿:

1. Normal pregnancy 和 childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;

2. War, declared or undeclared, or any act of war;

3. Active duty in the armed forces, 辅助单位, 国民警卫队, 或任何国家或国际机构的类似政府组织;

4. Your participation in the commission of a felony, riot, or insurrection;

5. Your engagement in an illegal occupation;

6. Your legal intoxication defined by state law w在这里 the loss occurs, 或因使用麻醉品或其他管制药物而造成的损失, unless administered on the advice of a physician;

8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;

9. Attempted suicide or intentionally self-inflicted Injury; or

10. 暂停、放弃或撤销您的职业执照或证书.

限制. The following limitations apply to this policy:

State Farm Mutual 汽车mobile pp王者电子官网 Company
布卢明顿,

IH-STD-1.3

Short-term disability insurance

联系 an agent near you

你知道吗??

Short-term disability insurance

你的pp王者电子官网范围

简单的应用程序

Do you have the resources today?

用自己的积蓄

Collecting social security

Consider short-term disability insurance

Make an informed choice

除外责任 和 限制