Why Do I Need Short Term Disability Insurance? 
What 's nice about short term disability insurance is that it has a shorter elimination period . That means , rather than waiting 90 days for your policy to pay you benefits -LRB- which is common with long term disability insurance -RRB- , you may only have to wait 7 or 14 days before you can collect a benefit . The benefit period wo n't be as long though , but for things like pregnancy or a broken leg , that 's all you 'll need . 