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

You may have paid for both short and long-term disability insurance coverage. Typically there is a two-week waiting period before short-term disability starts, during which no benefits are paid.

The length of the short-term disability plan varies and is generally coordinated with a waiting period for a long-term disability.

Long-term disability plans can have waiting periods from 60 to 70 days. Ninety days is common.

However, even if you have private short or long-term disability coverage, it won’t cover the cost of your health insurance premiums.

Some employers do provide a type of health insurance coverage for employees on disability and you should research this before you terminate your employment.

If you have any questions feel free to contact us at www.caveylaw.com or call us at 727-894-3188.

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