Only a long-term disability policy makes sense,because only it protects against financial catastrophe.

Question

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A long-term disability policy provides coverage for extended periods of time, typically up to age 65 or retirement. It replaces a portion of the insured's income if they become unable to work due to a covered disability. A short-term disability policy only provides coverage for a limited period of time, typically up to six months. Without the protection of a long-term disability policy, individuals and their families may face financial hardship if they are unable to work for an extended period of time. Therefore, only a long-term disability policy makes sense to protect against financial catastrophe.

Only a Long-Term Disability Policy Makes Sense,because Only It Protects