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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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.

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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.

Call our experienced, top-rated national disability attorneys at 800-458-4577 or send us an email.

We offer free consultations on all insurance matters, including free policy analysis and free claim help.

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