Ohio Social Security Disability And SSI Legal Blog

What differentiates long-term from short-term disability?

Disabled Ohio residents may want to look into Social Security Disability insurance. This insurance helps many disabled people live on their own despite their conditions. 

Today we will look into the difference between long-term and short-term disability. We will look at the insurance types that suit each disability best. After all, insurance is not a one-size-fits-all situation. You must often seek insurance tailored to your unique situation. 

Long-term disabilities and insurance 

Medical professionals define long-term disabilities as those lasting a significant time. With disability insurance, the insurance coverage lasts a longer period of time. You get long term disability insurance in increments of years rather than months. The most common times are 2 years, 5 years and 10 years. After that, you may get coverage up to 65 years of age. You can even get insurance for life. But the premium for long-term disability insurance outstrips that of short-term disability. 

Short-term disabilities and insurance 

Short-term disabilities often last a year or less. Short-term disability insurance covers time in increments of months instead of years. In a typical scenario, the times include 3, 6 and 12 month increments. Group plans for short-term disabilities are more affordable than long-term plans. On the down side, short-term disability coverage can cost an individual a lot of money. 

Are you curious about Social Security Disability insurance? Do you want to know more about long-term and short-term disability insurance coverage? If so, take a look at our linked web page here. You can expand your knowledge on the topic. This may help you make decisions about insurance if you face a disability in the future.