What is the difference between Short Term and Long Term Disability Insurance Plans?

Short Term Disability Insurance (STD) will have a waiting period of 0 to 14 days and a maximum benefit period of two years.

Long Term Disability Insurance (LTD) can have a waiting period from several weeks to several months (often to coincide with the ending benefit of the short term disability policy) to a maximum benefit period ranging from a few years to your life time. By meeting with an advisor at Clark-Mortenson, we can help you best determine what your specific needs are.

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