Disability Insurance Coverage Limits

Short-term disability insurance offers temporary income replacement, typically lasting from a few weeks up to six months. Once it ends, many workers face a sudden loss of income while bills continue to arrive. Long-term disability insurance fills this gap by providing benefits for prolonged illnesses or permanent injuries, sometimes lasting until retirement age. Combining both short- and long-term coverage ensures uninterrupted financial protection, helping you maintain stability while focusing on recovery. Reviewing your benefits early prevents costly income gaps later.