What Is Short-Term Coverage? What Is Long-Term Disability Coverage?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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.

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