As per its name, short-term disability insurance covers you for a specific time in case of temporary disability. You can continue receiving benefits from this disability insurance policy until your coverage is exhausted or fully recovered. Short-Term Disability (STD) pays a portion of your income for a short period of time after you run out of sick leave. Depending on your plan, STD generally will pay a benefit up to 52 weeks.
Disability insurances work to provide you coverage against any form of disability which can happen due to accidents. If you opt for disability insurance, then you get a part of your lost income recovered, along with the medical expenses that you might incur. Disability insurance offers you benefits and coverage for a short or an extended period — depending on the type of insurance you buy.