Whats the difference between short-term and long-term disability insurance?
Short-term disability coverage provides just that, coverage for a shorter period of time. Depending on the policy, it could be from three to six months after your injury or illness. Long-term disability insurance won’t kick in until after the short-term coverage has expired. While you may have access to both short- and long-term coverage, the policies may differ. Your benefits could be different from one policy to the other, and the rules about your coverage limitations could also vary. If you already have coverage, make sure you understand the policy.
