Pre-existing condition limitations ✗ Treatment for Pre-existing ✗ Complications from Pre-existing ✗ Chronic Conditions Management ✗ Injuries Related to Pre-existing ✗ Alternative Treatments ✔ Income Replacement ✔ Duration of Coverage Short ✔ Waiting Period ✔ Qualifying Disabilities ✔ Return-to-Work Assistance term disability Short-term disability insurance provides financial protection for individuals who are unable to work due to a temporary disability or illness.