What Is Short-Term Coverage? What Is Long-Term Disability Coverage?
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UPDATED: Jul 16, 2021
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The exact definition of short-term coverage varies from policy to policy. Typically, short term can mean up to six months or even up to a couple of years. Social Security disability coverage usually begins after six months, so some people consider it the definition of short term.
Long term coverage begins when the short-term coverage ends. Depending on how long term coverage is stipulated in the policy, it can continue for a few years until normal retirement age or for the entire life of the insured.