Short-term disability insurance (STDI) isn’t always necessary. In this episode of Retire for Less with The Annuity Expert, we discuss common scenarios where STDI may be redundant, such as having employer-provided benefits, sufficient emergency savings, or spousal income support. Learn practical alternatives like long-term disability insurance and savings strategies to protect your income without unnecessary expenses. Tune in for insights on optimizing your coverage and ensuring long-term financial security.