Both short and long-term disability cover pay you up to 60% of your paycheck paid directly to you if you are disabled and unable to work. The most important difference is that short-term covers the first 6 months of a disability and long-term disability picks up after the first 6 months and lasts until you are able to return to work or reach your normal retirement age.

Short-Term Disability

Too often when we hear the words disability and insurance together, it conjures up an image of a catastrophic condition that has left an individual in an incapacitated state. Be it an accident or a sickness, that’s the stereotype of a disabling injury that most of us have come to expect.

Plan Summary
Long-Term Disability

Over 1 in 4 of today’s 20 year-olds will become disabled before they retire and among the most common reasons for disability claims include cancer, pregnancy and mental health issues. That’s why long term disability insurance is a vital protection that helps ensure an illness or injury won’t permanently damage your financial confidence.

Plan Summary
Short-Term Disability

Too often when we hear the words disability and insurance together, it conjures up an image of a catastrophic condition that has left an individual in an incapacitated state. Be it an accident or a sickness, that’s the stereotype of a disabling injury that most of us have come to expect.

Plan Summary

About Short-Term Disability

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About Long-Term Disability

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