​What is the difference between Short-Term Disability (STD) and Long-Term Disability (LTD)?

Short-Term Disability policies (STD) have a waiting period of 0 - 14 days with a maximum benefit period of no longer than two years  (24 months). 

Long-Term Disability policies (LTD)have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.


Fact Sheet: Things to Consider for Disability Insurance 


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Disability Insurance