Short Term Disability Needs Estimator


To help determine your need for Short Term Disability income protection, complete the worksheet below.

Monthly Expenses

 (electricity, gas, cable, phone, etc.)
 (credit cards, student and auto loans, etc.)
 (health, life, auto, home, etc.)
 Total monthly expenses

Monthly Income

 Take home pay
 Spouse income
 Other income1
 Total monthly income

Calculated Results

STD Insurance Needs Analysis
Total Monthly Expenses
Total Monthly Income in the event
of your disability
STD Insurance Needed

If you have determined you need disability insurance, see how much it will cost to purchase coverage by reviewing the Short Term Disability Coverage Highlights.
Please keep in mind that there may be other sources of income available to you if you become disabled, including state disability. These other benefits may reduce the STD benefit payable by The Standard. Please be sure to review the Short Term Disability Coverage Highlights for a description of the disability coverage before making your decision to purchase Short Term Disability insurance.