Short term disability last for as long as you are continually unable to work due to a covered medical condition, or until the policy benefit period it met, whichever is less. Every policy is different.
You make a decision about the length of the benefit period when you purchase the policy. Policies with longer benefit periods cost more than those with shorter benefit periods. You may be able to choose between lengths of 3, 6, 12, or 24 months.
Short term disability insurance usually lasts under a year, although some policies give you the option to collect a benefit up to two years. Long term disability, on the other hand, takes over where short term disability leaves off. You can opt for your long term disability insurance to start after six months of being unable to work, e.g., which is the time your short term disability may end. The combination of these two policies can keep your benefit coming for however many years you choose (while disabled).
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You make a decision about the length of the benefit period when you purchase the policy. Policies with longer benefit periods cost more than those with shorter benefit periods. You may be able to choose between lengths of 3, 6, 12, or 24 months.