Yes, you can buy short-term disability insurance on your own , though it is less common than getting it through an employer. Individual policies are available directly from insurance companies or through independent agents.
Buying privately is generally more expensive than group coverage because you lose out on employer subsidies and group rates. How Much Does Short-Term Disability Cost? | Aflac can i buy short term disability insurance on my own
Provides policies with one- and three-year benefit periods. Yes, you can buy short-term disability insurance on
While some major insurers like Guardian Life only offer short-term disability through employers, several others provide individual options: How Much Does Short-Term Disability Cost
A digital-focused option popular for self-employed individuals with quick online quotes.
Offers individual plans that can help supplement up to 70% of your income.
Ranked as top picks for individual coverage by reviewers from Investopedia .