What type of risks does short-term disability insurance typically protect against?

Short-term disability insurance is specifically designed to provide financial protection for individuals who become temporarily unable to work due to injuries or medical conditions. This type of insurance typically pays a portion of the insured individual's salary for a limited time, which helps them manage living expenses during their recovery period. The focus on temporary unemployment due to health-related reasons distinguishes it from other types of insurance or financial products, making it essential for protecting against risks associated with short-term disability. This coverage is vital for individuals who may not have sufficient savings to cover their expenses while they are unable to work.