What is the difference between short-term and long-term disability coverage?

Disability insurance plans are typically broken up into two types, short-term disability and long-term disability coverage. While both generally cover the loss of wages or other income due to injury or illness, the time period of their coverage varies.

Short-term disability coverage varies from policy to policy, but it typically lasts between six months and two years. Under most coverage plans, long-term disability coverage begins when short-term disability coverage ends. The long-term coverage will usually last for a certain number of years or until retirement age.

If you or anyone you know has not received payments for your long-term disability coverage, contact the Indiana long-term disability coverage attorneys of Hankey Law Office, at (800) 520-3633.