Disability Insurance

​What is the difference between Short-Term Disability (STD) and Long-Term Disability (LTD)?

Short-Term Disability policies (STD) have a waiting period of 0 - 14 days with a maximum benefit period of no longer than two years  (24 months). 


Long-Term Disability policies (LTD)have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life. 

 Fact Sheet: Things to Consider for Disability Insurance  

Take time today to speak with us, confidentially, to discuss protecting your current and future income.