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Short-term disability insurance covers a percentage of your lost salary should injury or illness knock you out of work for more than a few days. Payments generally kick in when you have exhausted any available sick leave. You might see a large chunk of your salary early on, but payments are often reduced to 60% of your salary, or less, after a few weeks. Duration of benefits varies by policy, but six months is typical.
Long-term disability insurance is a more typical insurance product in that it protects you from catastrophic illness or injury, including tragic twists of fate that permanently end your ability to earn a paycheck.These policies usually pick up where short-term disability policies leave off. Some last only five or 10 years,
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