Long Term Disability vs. Short Term Disability Insurance

Denver Long-term and Short-term Disability InsuranceThere are a variety of individuals who feel that they do not need disability insurance because their current health insurance policy will suffice in providing them with protection. However, accidents are unforeseeable and you can never be too prepared.

When obtaining disability insurance, it is important to note that there are two different types – long-term disability and short-term disability. Short-term disability will provide you with protection during a temporary period of time where you are unable to work. Depending on the terms of your particular plan, you will receive protection anywhere between 9 and 52 weeks. In contrast, long-term disability policies will provide you with protection when your sick leave and short-term disability terms run dry. Depending on the particular terms of this policy, this can give you anywhere from 2 to 5 years of protection.

Contact Colorado Nonprofit Insurance Agency in Denver for all of your Colorado long-term and short-term disability insurance needs. We will go above and beyond to provide you with adequate protection for the present and future!