Short Term -This type of disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job. The benefit amount is limited to a percentage of your salary, such as 60 or 70%. You may need this if you are unable to work due to a disability or accident.
Long Term -This type of insurance policy insures that an employee will still receive a percentage of their income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time. You may need this if you cannot work due to sickness or a disabling injury.