Can I get short-term disability insurance?

I’m looking for an insurance to pay me a salary if I suffer a minor disability, like a broken leg, does this exist?

Question asked by Samantha Jones
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Answered by Andrew Jenkinson

Short term protection explained

Yes, there are a number of insurance policies available to cover the risk of being unable to work due to short-term disability. These plans can payout for up to 12 or 24 months.

Covering you in your own job

With this type of cover it is important that the policy covers you in your ‘own occupation’, so any medical condition that prevents you from doing your current job means the policy pays out (some other policies would require you to be unable to do any other job for which you are ‘suited’).

Take care with short-term plans

For policies with own occupation protection you should see our page on short-term income protection insurance. Please be aware that most short-term plans advertised are payment protection policies and these usually use the suited occupation definition, which provides far weaker cover.

Better to think long-term

One insurer, Liverpool Victoria, published claims data in 2011 showing that the average claim length for their long-term disability insurance policy had an average claim length of 7 years! This really puts the short-term plans into perspective.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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