What is short-term and long-term disability?

http://www.fool.com/insurancecenter/disability/disability02.htm

Short-term and long-term disability are types of insurance plans that provide financial protection in the event of a disability preventing an individual from working. While both types of disability insurance serve the same basic purpose, there are some differences between them.

Short-term disability (STD) benefits typically provide a portion of the individual's income if they are temporarily unable to work due to a disability. This type of insurance typically covers a period of several weeks up to a few months, although the exact duration and coverage amount vary depending on the specific policy.

On the other hand, long-term disability (LTD) benefits are designed to provide income replacement for an extended period if an individual is unable to work due to a disability. LTD benefits typically begin after the short-term disability period ends, and can potentially continue until the individual reaches retirement age, depending on the policy terms.

To determine the specific details and conditions of short-term and long-term disability insurance, it is important to refer to the insurance policy or contact the insurance provider directly. They will be able to explain the coverage limits, waiting periods, duration, and any other relevant information specific to the plan.