Short-Term Disability insurance helps provide policyholders with peace of mind and cash benefits at a time when they need it most—during a disability. Most people don't hesitate to insure their lives, their homes, and their automobiles, but they don't necessarily think about insuring their incomes. Policyholders may have peace of mind knowing that if they're unable to perform the material and substantial duties of their full-time job due to a disability, Short-Term Disability coverage will help provide them with income.