Insurance Product
Your health is your greatest asset, and when illness or injury strikes, Short Term Disability Insurance provides the extra support you need to focus on recovery without the stress of lost income. Whether you’re facing surgery, maternity leave, or an unexpected medical condition, our policies offer a financial safety net until you’re able to return to work.
At Sova Insurance, we help you safeguard your income with affordable, customizable Short Term Disability policies—ensuring you can recover with peace of mind.
Short Term Disability Coverage Options
Protect your income with short-term disability insurance that provides temporary financial support when illness or injury prevents you from working.
Coverage Options
Short Term Disability Insurance Designed for Your Needs
Get flexible short-term disability coverage that helps replace lost income when illness or injury temporarily keeps you from working, offering peace of mind when it matters most.
Immediate Income Support
Replaces part of your salary if illness or injury prevents you from working.
Flexible Coverage
Customize benefit duration and amount to fit your needs.
Quick Approval
Fast access to benefits so you can focus on recovery.
Affordable Rates
Protect your income at a low monthly cost.
Short Term Disability Insurance isn’t just a backup—it’s essential protection when illness or injury strikes unexpectedly. Get the coverage you need to keep your life on track.
Smart Coverage. Built for Stability.
Ensure you’re financially secure during your recovery with comprehensive short-term disability coverage that helps you maintain financial stability in today’s unpredictable world.
Smart coverage.
Florida-ready protection.
Average Monthly Premium : $50-$150
The cost of Short Term Disability Insurance depends on several factors, including your income level, occupation, benefit amount, coverage length, and waiting period.
On average, short-term disability insurance premiums start around $20–$60 per month. depending on the level of coverage you choose. Higher income replacement percentages, longer benefit periods, or shorter waiting periods may increase the cost—but provide greater financial security when you need it most.
We compare plans from multiple top-rated insurance providers to help you find the right coverage at the best possible price—without compromising on protection.
Protect your income. Stay financially secure.
Get a personalized quote today and find coverage that fits your budget and your needs.
How to Get the Best Short Term Disability Insurance
Choose the right short-term disability coverage by evaluating your income protection needs, comparing benefit periods and waiting times, and selecting a policy that fits your lifestyle.
01
Assess Income Needs
Determine how much of your paycheck should be replaced during illness or injury.
02
Select Coverage Length
Choose a benefit period, typically 3–6 months, that fits your finances
03
Pick a Waiting Period
Shorter waits mean faster benefits; longer waits can reduce cost.
04
Compare Carriers
Independent agencies like SOVA Insurance shop multiple insurers for the best coverage and price.
Get Coverage with SOVA Insurance
- Based in Florida, specializing in contractors and small businesses
- Independent agency—we compare multiple carriers for the best rates
- We speak English, Russian, and Ukrainian to make insurance easy to understand
- Personalized service—you’ll work directly with a licensed agent who guides you through every step
