Short- and Long-Term Disability

Short-term and long-term disability insurance can protect your financial well-being by supplementing your income if a severe illness or injury prevents you from working.

Short-Term Disability

Short-term disability insurance provides coverage for a limited amount of time, as specified by your policy. Benefits will supplement your salary until you exceed the policy’s specified time limit (several months up to one year) or maximum coverage amount, or until you recover. Short-term disability insurance policies pay out benefits for reasons such as:

• A lengthy illness
• A disabling injury
• The birth of a child

Long-Term Disability

Long-term disability insurance covers injuries and illnesses that prevent you from returning to work. If you experience a debilitating injury, you may have a longer waiting period before receiving benefits than you would with a short-term disability claim. The most common long-term disability claims are:

• Musculoskeletal/connective tissue disorders (back pain, osteoarthritis)
• Cancer
• Injuries/poisoning
• Cardiovascular/circulatory disorders (heart attack, coronary artery disease)
• Mental disorder