Group Life & AnnuitiesQuestion 693 of 716
Group short-term disability (STD) differs from long-term disability (LTD) mainly in that STD:
a.Pays benefits for many years, often continuing all the way until the insured reaches retirement age
b.Has no waiting period of any kind
c.Covers only retired employees
d.Has a shorter benefit period (weeks to months) and a shorter waiting period
Explanation
STD pays for a shorter benefit period after a brief waiting period, bridging until LTD begins. LTD covers longer durations; STD is not for retirees and usually has a short elimination period.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)