Short-Term Disability insurance is “paycheck” protection and pays a percentage of your salary if you become temporarily disabled for a period of weeks. Common short-term disability claims include injury, pregnancy and minor surgeries.
Long-Term Disability insurance protects your ability to earn a paycheck. It pays a percentage of your salary if you become unable to work for a long period of time, months or even years. Common long-term disability claims include musculoskeletal disorders, cancer or serious illness and mental health issues.