Traditional short-term disability insurance provides coverage for a limited amount of time for reasons such as a lengthy illness, a disabling injury, or the birth of a child. Your policy will indicate a maximum coverage and you will receive benefits until you exceed that amount or the policy’s specified time limit, or until you recover.
High-end disability programs can fill the income gaps left by standard policies. For many high-income earners, the benefits of traditional disability coverage fall far short of their true income. These high-limit contracts help individuals avoid significant financial losses, while also continue to allow them to live in the manner to which they have become accustomed.