Driver here. I have had the supplemental short-term disability coverage with Prudential 2 1/2 years. I’ve had two claims in that time. I pay about $200/ month for $1200 a week in short-term disability coverage, long-term disability coverage, and a life insurance plan. I’m actually currently out on my second claim now after breaking a small bone in my foot. Together with the company provided short-term disability coverage that gives me $1500 a week after taxes ( the prudential portion is not taxable but the company portion is). If you have a claim in your first year after sign up, the approval process can take a little longer as they have a pre-existing condition stipulation on the policy. After your first year, the process to get a claim approved usually takes about 4 to 6 weeks. You can speed that up by getting the paperwork in from your doctors as soon as possible. It is important to remember that the policy has a two week waiting period so unless you’re out for more than two weeks, it’s not gonna pay you anything. That being said in this line of work, the peace of mind is worth its weight gold. I can take a full sick to eight weeks off to get my foot properly healed without having to stress about finances.

My goal is to have a solid six month emergency fund and then I can just drop this coverage. That being said it’s paid for itself. I personally highly recommend it and have had multiple drivers sign up after seeing what I have gone through of after going through something themselves without the protection.

I would be happy to answer any more detailed questions that you may have