Short-Term Disability vs. Long-Term Disability

Short-term disability and long-term disability are both coverages worth exploring. Knowing the differences between them is a crucial first step in determining the policy that meets your needs.

How Long Will It Take To Get Benefits?

Short-term policies can provide benefits more quickly than long-term disability policies. However, most short-term policies have at least one waiting period before you can receive benefits. For example, there could be a 14 day period after an injury and a longer period after an illness.

Long-term disability policies usually have a waiting period of 90 days, but waiting periods are typically between 30-720 days.

How Are Disability Plans Purchased?

Short-term and long-term disability plans can both be purchased from insurance companies. Many employers also offer disability policies as part of their benefit packages.

How Costly Are Disability Insurance Policies?

Long-term policies tend to be more expensive due to the potential length of benefit payouts. If you can only afford short-term or long-term disability, long-term is the right choice. A long-term disability policy can protect your income and wellbeing for decades.

In the event of a short-term illness or disability, you have other options. Worker’s compensation, Social Security and other protections may be available to make ends meet.


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“Thank you to all there at DarrasLaw Firm. Sharon and I are so grateful to all of you for being there for us and for bringing some good news to this whole nightmare. Please extend my Thanks to Nick who first visited with us, Candace, Vicki and Mr. Darras as well. You are all a wonderful team and words really can not say enough.”

– Mike P.

Get Help With Your Disability Claim

DarrasLaw can take care of your insurance claim so you can focus on managing your injury or illness. Call us today at 800-458-4577 or email us to schedule your free consultation.

Reason #3

Why Choose DarrasLaw?

Billion dollar insurance companies employ an army of attorneys. We have the resources to take on the toughest cases against the biggest carriers.

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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