Short-term disability insurance is one of the most misunderstood—but most financially important—types of coverage available today. If you suddenly can’t work due to an injury, surgery, illness, or pregnancy, your income stops. Mortgage payments, childcare, groceries, and bills do not. That’s why more people are searching for how to buy short-term disability insurance online—fast, privately, and without needing to work through an agent if they prefer a fully digital experience.

At Diversified Insurance Brokers, we help families and business owners secure income-protection coverage every day. Some want full guidance; others prefer a modern, self-service approach. No pressure, no appointments. If that’s you, the easiest way to buy online is through our secure, no-agent application portal below.

Why People Are Buying Short-Term Disability Insurance Online

Most Americans don’t have enough savings to cover even one month of missed income. Online disability insurance has grown rapidly because it removes friction—no appointments, no paperwork, and no long underwriting delays. Modern carriers now allow e-applications, electronic signatures, and automated approvals.

Short-term disability (STD) typically replaces 60%–70% of your income for several months while you recover. Pregnancy and maternity leave are common claims, but injuries and illnesses are just as frequent.

What Short-Term Disability Insurance Covers

Short-term disability insurance protects your paycheck—not your medical bills. Covered scenarios commonly include:

• Injuries and accidents
• Pregnancy and childbirth
• Surgical recovery
• Illness and infection
• Musculoskeletal conditions such as back, knee, and shoulder injuries

How to Buy Short-Term Disability Insurance Online

The online process is simpler than most people expect and can usually be completed in under 15 minutes.

1. Start the Application

Begin through the secure portal. You control the pace, answers, and timing.

2. Answer Employment & Health Questions

Applications focus heavily on occupation and income stability. Medical questions are limited compared to life insurance.

3. Customize Your Coverage

• Select your monthly benefit amount
• Choose a benefit period (commonly 3–6 months)
• Choose an elimination period (often 7–30 days)

4. Review Pricing & Submit

Many applicants receive instant decisions or approval within 24–48 hours. No agent involvement is required.

How Much Does Short-Term Disability Insurance Cost?

Most individuals pay between $15 and $50 per week, depending on income, occupation class, and benefit design. When compared to the financial impact of even one missed paycheck, short-term disability insurance is often one of the highest-value protections you can buy.

Who Should Buy Short-Term Disability Insurance Online?

• Employees without employer-provided disability coverage
• Self-employed professionals and contractors
• Individuals planning pregnancy or parental leave
• Anyone who prefers a digital, self-service insurance experience

Why Buy Through Diversified Insurance Brokers?

Most online disability platforms show only one carrier. Our portal provides direct access to fully underwritten coverage—without pressure—while still giving you the option to work with an advisor if you want guidance.