Is disability defined the same in STD and LTD insurance policies?
Some disability income insurance contracts provide coverage only for “total and permanent” disabilities. Others provide coverage for “total and permanent” disabilities, “partial disabilities,” and “temporary” disabilities. Some policies providing “partial” disability coverage require that the “partial” disability be proceeded by a period of “total” disability. These terms can be confusing and will differ from one carrier to another. Therefore it is recommended that you seek the advise of a qualified insurance professional.
