what does long term disability cover?
Long-term disability insurance: What happens if your short-term disability coverage runs out and youâre still out of work? In that case, youâd turn to long-term disability, which typically kicks in after youâve been out of work for an extended period of time, such as 180 days. But long-term disability policies are quite different from their short-term peers. In particular, long-term policies typically cover only about 60% of your salary.