Who Should Have Short Term Disability Insurance? 
That is a great question ! There are a couple of really good reasons for having a short term disability policy . If you work a job where it is likely to be injured , and workman 's comp hard to get , a disability plan is a must . Your bills will need to be paid , and most often draining your savings or taking out a loan are bad options . The policy will help pay for those things . The other reason is if you are like most Americans , and do n't have the savings or assets to cover if you were injured . 60 % of all bankruptcies are a result of medical emergencies , and more than half of Americans have less than $ 3000 in their savings . Every one of them is a potential bankruptcy waiting to happen . Please do n't be one of them . Thanks for asking ! 