Who Should Buy Short Term Disability Insurance? 
If you and/or your family would be in trouble if you were to be off work for a week or more , you should buy Short Term Disability Insurance . If you have little to no sick leave at your place of employment , you may want to buy Short Term Disability Insurance . Unlike Long Term Disability Insurance that has a waiting period before you can collect on it , STDI will pay within days . So any family that relies on one salary to pay important bills without reserves to pay them should consider purchasing this type of coverage . 