Short-term disability is designed to provide coverage for total or partial disabilities resulting from a covered physical disease, pregnancy, injury, or mental disorder. Typically, some percentage salary (i.e. 66.67%) is the benefit that would be paid to the disabled person on a weekly basis.

Long-term disability usually results when one has been continuously disabled for a long period of time and often times, the short-term disability benefit has been exhausted. The long-term disability benefit is also a percentage of salary (i.e. 60%) that would be paid to the disabled person on a monthly basis. The benefit can be received for up to one's normal social security retirement age.

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