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What do long and short term disability benefits cover?

On Behalf of | Apr 3, 2020 | Social Security Disability | 0 comments

Georgia residents with disabilities may seek Social Security Disability (SSD) benefits. SSD benefits help a variety of individuals cover the expenses of daily life when work is hard. There are two primary types of disability insurance. Short-term disability (STD) insurance is one. Long-term disability (LTD) insurance is another. 

Today we will look at the differences between STD and LTD insurance. We will see how a person’s condition affects which type of insurance they should seek. We will also look at price comparison points between the two. 

Short-term disability coverage periods 

Short-term disabilities often last less than a year. The sufferer is incapable of working for up to 12 months. In accordance, STD insurance covers periods of months rather than years. A typical example of coverage will last 3, 6 or 12 months. What you apply for depends on the severity of your disability. Doctor’s orders often dictate your eligibility as well. For example, a doctor may recommend you rest for 6 months. This allows you to apply for 6 months of short-term disability. 

Long-term disability coverage periods 

Medical professionals project long-term disabilities to last a year or more. LTD insurance covers periods of years. 2, 5 and 10 year periods are the most common. After that, you may request benefits up to the age of 65. In some cases, you can request lifelong disability benefits. The premium for LTD insurance is higher than STD insurance, though. The longer the period, the more expensive the premium. 

Do you want to learn more about Social Security Disability benefits? Are you curious about the difference between long and short term disability? If so, take a look at our linked webpage here. Learn more about SSD. This includes the disabilities covered by each type of benefit. 


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