What is the difference between Short Term and Long Term disability coverage?

In general, Short Term disability coverage provides benefits to an individual who is disabled and unable to work due to an injury or illness expected to last weeks or months but not longer than one year. However, if an individual continues to be disabled and unable to work beyond the initial one year period they may be eligible for benefits under the Long Term Disability plan, which dependent upon the nature of the disability can provide benefits up until age 65.