Most people understand the term “disability” and what it means, especially as related to workplace injuries or illnesses. Essentially, something has happened to you that renders you unable to work at a particular job as you once could. However, there are two different disability types: long-term and short-term.

Long-term disability refers to situations where a person cannot recover from the injury or illness that has sidelined them from their current job. These situations are unfortunate, and when they happen, the afflicted individual will doubtless appreciate that long-term disability exists. That monthly check will help them pay for medical bills, childcare, food, utility bills, and the rent or mortgage.…