What is the Difference between Short-Term and Long-Term Disability?

Are you disabled or injured, and contemplating filing a claim for disability insurance benefits? If so, you will need to apply for short-term disability or long-term disability coverage.

The vague phrasing makes it difficult to know which one to apply for from the outset of your experience. Simply put, long-term disability coverage can last for years, while short-term disability coverage lasts for just weeks or months (generally up to one year maximum) Long-term disability insurance policies generally cover periods ranging from a couple of years to the remainder of your life. Short-term disability insurance, on the other hand, usually covers between one and twelve months.

What is the Difference between Short-Term and Long-Term Disability?

Short-Term Disability Coverage Is The First Step In Any Claim

It is ideal for people with injuries that can heal quickly but make work difficult to perform (such as broken bones). It is also a good option for people recovering from surgery, or even women on maternity leave.


Long-term Disability Coverage Follows Your Short-Term Period If You Have Not Returned To Work

It is appropriate for more serious cases such as people who suffer from chronic pain, serious illnesses like cancer and heart disease, and mental illnesses.


Has your long-term disability claim been denied?Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.

We have recently settled cases against Standard Life, Desjardins, Manulife, RBC Insurance, Sun Life, and much more. We love hearing feedback from our clients, so please share your own experience with us.

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