A 53-year-old man bought a motorcycle and had an accident three days later that severely damaged his ankle. He was surprised to learn that his short-term disability insurance covered accidents with a zero-day waiting period. He received over $5,000 in two disability checks to cover his missed work weeks while injured. Now he encourages new employees to enroll, having unexpectedly benefited from the coverage himself.

1. Lois Vega
Claim Story
A young 53 year old man decided to fulfill a childhood wish, and went out and bought
himself an adult toy – a motor cycle. Third day out, he lost control of the motorcycle
going around a curve with an incline, and ended up in the wood He had severely
s.
damaged his ankle. His HR Department called me and asked me to get in touch with his
wife, which I did. About 4 weeks later, I was at his place of employment, and this young
man was pushing himself around in a wheelchair with one leg completely in a cast. I was
surprised to see him there, and asked him what he was doing there and where was his claim
form. He said he had picked a 30-day waiting period, and he had just hit that, so he would
be sending it to me shortly. John, I said, you have a 0/30. “0” days waiting for disability
due to an accident – you need to get that claim to me as quickly as possible so we can get
you some money. I received his form in two days and his first check was for $3,140.09.
He was off for several more weeks and received a second check for $2,145.72 for a total of
$5,285.81. I see him all the time, and he really encourages all newemployees at his place
of business to take the STD. He said, “I never thought I would be using it for what I did. I
took it out because I am getting up there in age, and thought ‘you never know what
illness is going to sneak up on you’, so I best have some protection there just in case.
Who’d have thought!”