Short term disability insurance is a kind of insurance that helps replace your lost income for up to a year if you become too sick or injured to work. How much income you’ll receive (your monthly benefit) and the maximum amount of time you’ll receive it (your benefit period) depend on the policy and the options you choose. With Haven Disability, you can choose a monthly benefit from $500 to $5,000, and a benefit period of either 3, 6, or 12 months.