Income Protection When You Need It Most
Most government agencies do not provide short-term disability coverage, and sick leave runs out faster than most employees expect. Short-term disability insurance replaces 60–70% of your salary when you're temporarily unable to work due to illness, injury, or a non-work-related medical condition.
GRS specialists compare plans from 50+ carriers to find coverage that bridges the gap between when sick leave ends and when you return to work, protecting your income and your family's financial stability.
Did You Know?
Most federal and state agencies offer no short-term disability coverage. If you exhaust your sick and annual leave, you could go weeks or months without a paycheck.
Short-term disability insurance typically costs less than $30/month and can replace most of your salary during recovery.
What Short-Term Disability Covers
Income Replacement
Receive 60–70% of your pre-disability salary, paid weekly or biweekly, while you're unable to work.
Flexible Benefit Periods
Most plans cover 13 to 26 weeks — long enough to bridge most illness or recovery periods.
Broad Covered Conditions
Illnesses, surgeries, injuries, and maternity/paternity leave all typically qualify for benefits.
Fast Benefit Start
Benefits generally begin 7–14 days after the disability onset, providing timely income relief.
Portable Coverage
Individual policies stay with you through transfers, agency changes, and transitions out of government service.
Family Planning Coverage
Many plans cover pregnancy and parental leave — a significant benefit for growing families.
Why Government Employees Need This Coverage
No Agency Coverage
Unlike most private-sector employers, federal and state agencies typically offer no short-term disability benefit, leaving employees on their own when sick leave runs out.
Sick Leave Limits
Even with generous accruals, a serious illness or surgery can exhaust months of saved leave quickly, leaving you with no income during recovery.
Long-Term Disability Waiting Period
Federal long-term disability (OWCP) has a 180-day waiting period. Short-term disability bridges that gap so you're never without income.
Financial Vulnerability
Without income replacement, a single extended illness can force employees to drain savings, take on debt, or compromise their retirement security.
Get Short-Term Disability Coverage Today
A GRS specialist will compare plans from 50+ carriers and find the right coverage at the right price for your situation.
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