Short-term disability (STD) replaces part of your income for a few weeks to a few months after an injury or illness, usually after a short waiting period. Long-term disability (LTD) starts after STD ends and can continue for years, sometimes to retirement age. Both typically replace about 50–70% of income.
Disability Insurance
Disability insurance replaces part of your income when illness or injury keeps you from working. These FAQs explain short-term and long-term disability coverage.