What Is The Difference Between Long Term And Short Term Disability Insurance? 
The two primary differences between long and short term disability are the policy elimination periods , and the policy benefit duration . The elimination periods describes how quickly benefit payments begin after the policyholder becomes disabled . Short term policies have much shorter elimination periods . The benefit duration describes how long payments will continue while the policyholder is continuously disabled . Short term policies may have a benefit duration lasting up to 24 months , while long term policies may have a benefit duration lasting to age 65 . 