Short-term disability insurance is a type of insurance coverage that provides income replacement to employees who are unable to work due to a temporary disability, illness, or injury. It typically covers a portion of an employee's salary for a specified period, helping them manage their financial obligations during their absence from work.

Example
An employee undergoes surgery and is advised by their doctor to take a few weeks off to recover. During this time, the employee may be eligible to receive short-term disability insurance benefits, which provide a percentage of their salary to help cover their living expenses while they are unable to work.