Los Angeles, CA – Short-Term & Long-Term Disability Employee Insurance Compared

Disability insurance is a must-have for any company wanting to ensure their employees have the coverage they need in the event of an illness or injury. Two types of disability insurance are commonly found in employment benefits packages—short-term and long-term. Here, we will compare the two, so you can make an informed decision about which type of coverage is best for your business. 

Overview of Short-Term Disability Insurance 

Short-term disability insurance (STD) is designed to bridge the financial gap caused by a temporary illness or injury, providing protection for up to one year. STD pays out a portion of lost wages, typically between 50 and 70 percent, depending on the policy and state laws. At the same time, employees are unable to work due to a covered illness or injury. It generally covers diseases such as cancer, heart attacks, strokes, pregnancy complications, and more. 

Overview of Long-Term Disability Insurance 

Long-term disability insurance (LTD) provides coverage beyond one year after an illness or injury has occurred. This type of insurance typically pays out anywhere from 50 to 75 percent of an employee’s salary if they are unable to work due to a covered condition for more than one year. This type of coverage also typically covers illnesses such as cancer, heart attacks, and strokes. In some cases, LTD also covers mental health conditions like depression and anxiety disorders that may prevent someone from being able to work for an extended period of time. 

Benefits of Offering Short-Term and Long-Term Disability

Offering long-term and short-term disability benefits to employees allows organizations to remain a desirable destination for talented job seekers. The added peace of mind provided by these plans can lead to better employee morale, higher levels of engagement, and increased productivity from their workforce. Additionally, having measures in place to assist employees during medical events can help the organization protect itself from costly legal risks. Ultimately, providing long-term and short-term disability programs is an investment in both company performance and employee well-being.

Implementing Short-Term and Long-Term Disability Insurance

When deciding between short-term and long-term disability insurance, it’s important to consider both your budget and your employees’ needs. Both policies offer valuable protection in different situations, so it pays to do your research before making a decision. By carefully weighing the costs and benefits of each type of policy, you can ensure you choose the right option for your business and your employees alike.


Employee Retention Benefits provides employers with a unique advantage; having access to over 120 carriers across the country allows you to confidently make the best decisions for your organization when it comes to long-term and short-term disability insurance coverage. With such a vast range of powerful options at your disposal, you can rest assured you are selecting the best plan for your employees. So don’t wait any longer – sign up for Employee Retention Benefits today and take advantage of our extensive selection of carriers!

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