1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Short Term Disability covers things like childbirth, broken bones, chemotherapy, and other situations that would cause someone to be off of work for a short time (generally under 6 months, but short term disability can last up to two years). For conditions that are likely to drag on for years, Long Term Disability Insurance takes over.
    Answered on July 26, 2013
  2. 410 POINTS
    Drew Ward
    Owner, LifeInsuranceForBusinesses.com, Atlanta, Georgia
    Sickness and injuries are often covered under a short term disability policy but the specifics vary by company. If you have existing coverage then review the policy for information on what is covered. If you are looking for a new policy, talk to an agent and determine exactly what is covered.
    Answered on August 19, 2014
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