1) Explain the difference between what health insurance covers and what long term disability insurance covers. 2) Fill in the blanks: Long term disability insurance costs about % of your income, which is helpful as long term disabilities last on average about years.

1. Short term disability is intended to cover you immediately following a serious illness or injury, and long term disability insurance is intended to maintain income replacement if your condition keeps you out of work past the end of your short term disability benefit period, even to retirement, depending on your plan.

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