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What is the difference between short and long term disability?

On Behalf of | Feb 27, 2020 | Long-Term Disability Insurance Claims | 0 comments

Are you a disabled Texan whose injuries came from work? You have options when pursuing disability insurance. Today we will focus on long term and short term disability. Each has its own purpose. Each has pros and cons. Each can suit different situations well depending on what the victim needs at the time.

Short term disability is most useful if a victim believes they will heal from their injury soon. The policies for this insurance often last anywhere from 3 to 6 months. Due to this duration, short term disability insurance is often the most affordable. But the benefits do run out sooner than those with long term disability. What if a victim’s injuries are not healed by the time their insurance runs out, though? Unfortunately, they must deal with their disability without support. They also have fewer options, protections and payout.

Long term disability insurance covers people who need over 6 months of support. Some forms of this insurance last until the victim reaches age 75 or older. Up to 70 percent of the victim’s salary will continue for the duration of the disability. This often brings victims peace of mind. Long term disability also has more options. But these policies cost a good deal. They also have a wait period of up to 6 months before benefits even kick in.

Are you interested in learning more about insurance claims? Do you want to look into more information about disability insurance? If so, you can take a look at our linked web page here. It will allow you to view more about all types of disability insurance.