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Short Term Disability Insurance

0348h0035Definition of Short Term Disability: You are under regular and appropriate Doctor’s care for an accident or sickness and cannot perform the material and substantial duties of YOUR job.

Federal/FICA Disability requires you to be under Doctor’s care for a full five (5) months before you can apply for the Fed/FICA disability benefits. (Please note there are exceptions to this rule due to emergency disability such as: blindness and other catastrophic maladies).

Short term Disability may bridge the first six months of no work based on your policy choices, such as: Length of Benefit period and/or the elimination period.





Access NV Healthcare - Nikki Pecorino

Working Confidentially for You and Your Family Since 1999!


Appointment Times are Monday-Friday 9:00 a.m. to 7:00 p.m. - top of each hour upon availability. Saturday 9:00 Noon. Please allow one hour for the initial appointment.

Contact Nikki Now!

(775) 813-5309

(855) 828-6432

Insurance License #NPN 4579751
CA Insurance License #OD32885