Minnesota Life Accident and Health Producer Exam 2026 – Complete Practice Test

Short-term disability coverage is defined by how long benefits pay. It is designed to provide temporary income replacement for a limited period, typically measured in months. In most plans, benefits are payable for a period ranging from about six months up to two years. This duration distinguishes it from long-term disability, which continues for a longer period beyond two years. While a plan might pay either a percentage of earnings or a flat amount, the key idea for short-term coverage is the relatively brief benefit period.