Should You Have Short Term Disability Insurance? 
There are two categories of people who should have short term disability insurance . The first group is people who live check-to-check with little or no savings . A short disruption in income could cause them to quickly fall behind on the mortgage , car payments , and other regular bills . The second group is people who have a high probability of becoming temporarily disabled . People with active lifestyles or physically demanding occupations may need a policy . Women who are planning to have children will need to stop working while on maternity leave . 