This 30 Second Step Can Help You Pay Your Bills — Even if You’re Too Sick or Injured to Work

A man works on his laptop with his broken foot propped up on a chair.
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What would you do if you were forced to miss work after getting hurt or sick? Would you have enough money in the bank to cover your rent or mortgage, car payment or even groceries?

If you’re like most Americans, you don’t have enough money in your bank account to cover six months’ worth of expenses. That means you could easily go into debt if your paychecks stop.

But short term disability insurance can help you cover the bills that matter most to your family, and allow you to focus on healing instead of worrying about money.

And while many employers offer discounted short term disability insurance, a lot don’t. And even if they do, it might not be enough to keep your lights on. That’s why Haven Disability, a disability income insurance policy issued by MassMutual, offers an affordable way to help fill in the financial gaps if your paycheck stops because of sickness or injury.

Get a Quote in 30 Seconds —and Pay as Little as $10/Month

Signing up for Haven short term disability coverage takes just minutes and can be done entirely online — no medical exam required.*

You can get a quote in 30 seconds, customize a policy to your needs and get an immediate coverage decision. Plus, it’s issued and backed by MassMutual, one of the biggest names in insurance for more than 150 years.

Policies offer between $500 and $5,000 in coverage amounts and start for as low as $10 a month. It’s less than your Netflix subscription and can be a life saver for the 25% of working Americans who will have to take a three-to-twelve month disability leave before they retire**.

Even better: once you submit a claim online, you can get paid in about a week. Compare that to some other forms of disability coverage, which may take anywhere from months to two years to pay out.

If you’re between 18 and 55 years old and make more than $30,000, you may qualify for Haven disability income insurance. Just fill out this quick form with information about your health and income and, if you qualify, see your estimate.

In just a few minutes, if approved, you can feel confident that you have coverage in place to help fill in the financial gaps in case you’re forced to miss work due to sickness or injury.

Kari Faber is a staff writer at The Penny Hoarder. 

*It’s important to be honest in the application process. The issuance of the policy or payment of benefits may depend upon the truthfulness of answers you give in the application.

** According to the Social Security Administration 

Haven Disability is a Short Term Disability Insurance Policy (ICC20-HLSTDI-POL) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in Arkansas is 100139527. Refer to important information about this policy’s exclusions and limitations. For costs and complete details of coverage contact (855) 950-1395 or visit us online at

Not available in AR, CA, DE, FL, MT, ND, SD or WY.