Exploring The Differences Between Short Term and Long Term Disability Insurance

For over 20 years, Martin Insurance Team has served the Evergreen Park, IL community. We have established relationships with over 15 national and regional insurance companies to help our clients find the policy that suits their needs. We are committed to providing our clients with excellent customer service.

Short Term Disability Insurance vs Long Term Disability Insurance

At Martin Insurance Team, we believe that disability insurance is an important asset that we recommend all of our clients in the Evergreen Park, IL community should consider purchasing. Having disability insurance coverage protects you in the event that you are unable to work. You may choose to purchase short term disability insurance or long term disability insurance. Before you purchase a policy, it’s important that you research the differences between short term and long term disability. To assist you through the process, here is a guide that compares short term and long term disability insurance.

Time Frame

Short term disability benefits often last for several weeks and may extend to a few months in serious cases. You may start receiving short term benefits within two weeks after you have purchased the coverage. You can receive long term disability benefits for a few years, or you can purchase a policy that stretches until you reach retirement age. You should start receiving long term disability benefits after a few months.

Common Reasons To Purchase Both Policies

Short term disability insurance often covers ailments such as muscle strains and sprains. Childbirth is often covered under short term disability insurance as well. Long term disability insurance covers long term issues such as being diagnosed with cancer or mental health trauma.

Let Martin Insurance Team Assist You!

The agents at Martin Insurance Team will work with you to find the right disability insurance policy for your situation. Visit our website to learn more information.