Disability: short and long-term

Having both short-term and long-term disability insurance provides comprehensive protection for a number of scenarios, ensuring that you and your family are fully covered when you cannot work.

Short-term disability insurance helps bridge the gap in income while you are unable to work. Some examples of short-term disability include:

• Recovery from surgery
• Temporary illnesses like flu or pneumonia
• Injuries such as a broken arm, hand, back, that temporarily disables you
• Childbirth
• Certain medical treatments that may impair your ability to work

Long-term disability insurance provides extended coverage for more serious or prolonged conditions that prevent you from working for months or even years.

Some examples of long-term disability include:

• Chronic illnesses such as multiple sclerosis or severe arthritis
• Serious injuries such as a spinal or brain injury
• Extended recovery from surgery, like heart surgery
• Certain mental health conditions
• Long-term illnesses like cancer