Short-Term & Long-Term Disability Insurance

Short-Term & Long-Term Disability Insurance for companies in Maine, New Hampshire, and Beyond

What is Short-Term & Long-Term Disability Insurance?

Deciding whether short-term or long-term disability is best for you can be tricky, but we’re here to help make things easier. Short-term disability is insurance for when you have an illness or injury lasting around 3-6 months, the insurance then partially covers your income during that time. In comparison, long-term insurance also covers partial income, but lasts much longer, sometimes 5 years and upwards, and in some circumstances until the individual retires. For help deciding which plan is best for you contact your local office to speak with an agent to discuss coverage options.

Some Causes of Short-Term & Long-Term Disability

According to the Council for Disability Awareness the following are statistically the leading causes for short-term and long-term disability.

Short-Term Disability

  • Pregnancies.
  • Disorders affecting your back and spine, knees, hips, and shoulders.
  • Injuries involving sprains, strains, and fractures.
  • Digestive disorders.
  • Mental health issues such as depression and anxiety.

Long-Term Disability

  • Disorders affecting your back and spine, knees, hips, and shoulders.
  • Forms of Cancer.
  • Injuries involving sprains, strains, and fractures.
  • Mental health issues such as depression and anxiety.
  • Cardiovascular diseases such as heart attacks and strokes.

Other Employee Benefits You Should Consider

Disability Insurance Quotes

Interested in disability insurance and want to get a quote? Give your local Cross Insurance agents a call today to find the right coverage for you or click the button below to request a quote.

Employee Benefits Questions

Whether you are looking for better coverage, more options, or have compliance questions, connect with our knowledgeable team today to see what problems we can help solve. 

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