Both short-term and long-term disability policies have a waiting period before benefits are payable. With short-term disabilities, this period can be as short as thirty days, but the waiting period is usually much longer on a long-term disability policy. Mutual of Omaha reports that LTD waiting periods generally range from ninety days to a full year. A comprehensive insurance strategy should account for this time. A short-term disability policy can help bridge the gap, and other policies may suit a particular situation.