What are the reasons to get both Short-term and long-term disability income insurance?
Get them both.
If you are disabled, short term disability will pay 100% of your salary for up to 6 months – then Long Term Disability kicks in, but federal law only allows it to cover up to 67% of your previous salary, and end when you turn 62. The corporate policy your employer offers will have the best rate out there.
For more information you can visit: http://www.completedisabilitylawyers.com/