What does short-term disability insurance generally cover for someone who cannot work?

Short-term disability insurance is designed to provide financial support for individuals who are temporarily unable to work due to medical reasons, such as an illness or injury. The primary purpose of this type of insurance is to replace a portion of a person’s income during the period they are unable to perform their job duties. This support helps cover essential expenses such as rent, utilities, and daily living costs while the individual is recovering. Unlike other types of insurance, short-term disability specifically addresses income replacement rather than direct medical costs or legal matters, making it an essential safety net for those facing temporary setbacks in their ability to work.