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The rule of thumb is that short term disability insurance will cost about an hour's wage per week in order to replace 2/3 of your income for 12 months.

For example, a person earning $20 per hour and working 40 hours per week earns $40,000 per year or $3,333 per month. 2/3 income replacement would equal 2,200 per month of coverage.

The cost for this coverage would be $20 per week, or $1,040 annually.

Actual cost will be based upon your occupation, the industry of your employer, your state of residence, your age, etc.

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Q: Short term disability quote
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yes you do have to file state disability in order to get short term disability.


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