How Long Does Short Term Disability Insurance Last? 
Short term disability last for as long as you are continually unable to work due to a covered medical condition , or until the policy benefit period it met , whichever is less . Every policy is different . You make a decision about the length of the benefit period when you purchase the policy . Policies with longer benefit periods cost more than those with shorter benefit periods . You may be able to choose between lengths of 3 , 6 , 12 , or 24 months . 