Disability Insurance · Comparison
Short-Term vs Long-Term Disability Insurance
Short-term and long-term disability insurance are designed to work together. Short-term disability covers the first weeks to months of a disability. Long-term disability takes over when short-term benefits end and can last years or until retirement.
Short-Term Disability vs Long-Term Disability — Key Differences
| Feature | Short-Term Disability | Long-Term Disability |
|---|---|---|
| Short-term disability | benefit period 3–6 months | elimination period 0–14 days |
| Long-term disability | benefit period 2 years to age 65 | elimination period 90–180 days |
Short-term disability replaces 60–70% of income for short disabilities | ||
Long-term disability replaces 60–65% of income for extended disabilities | ||
The two products are designed to work together — STD covers the LTD elimination period | ||
Most financial devastation comes from long-term disabilities — LTD is the more critical coverage | ||
The Patriot Plans Verdict
Both are important, but long-term disability is the more critical coverage — most financial devastation comes from disabilities lasting years, not weeks. If you can only afford one, prioritize long-term disability with a 90-day elimination period.
Still Not Sure Which Is Right for You?
Patriot Plans is 100% independent. We compare both options from vetted carriers and recommend the one that's right for your specific situation — no sales pressure, no commissions driving our advice.