What is the difference between short-term disability (STD) and long-term disability (LTD) insurance?

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What is the difference between short-term disability (STD) and long-term disability (LTD) insurance?

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These two types of insurance policies differ most in terms of the length of the elimination (waiting) period, the length of the maximum benefit period, coordination of the benefits payable under the policy with benefits payable under social insurance programs such as Social Security and Workers’ Compensation, and the legal definition of disability in the contract language.

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