What's the difference between short- and long-term disability insurance?

Short term disability insurance is for a very limited time, sometimes 4 weeks, or 6 weeks depending upon the policy. Long term Disability insurance will cover a longer time period, but will not begin to provide payments until the disability has continued for a specified period of time, often about 4 weeks or 6 weeks (usually about the same time period that is covered by the short term disability insurance).

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