Short-term disability insurance is a type of coverage that provides financial support to individuals who are temporarily unable to work due to a medical condition, injury, or illness. This insurance typically pays a portion of the insured person's salary for a limited period, often ranging from a few weeks to several months, depending on the policy. This insurance helps cover essential expenses, such as rent, utilities, and medical bills, during the recovery period. It is often offered by employers as part of employee benefits, but individuals can also purchase their own policies. Understanding the terms and conditions is crucial for effective use.