Answer: Short term-disability (STD) benefits provide income support for a specified period of time. These benefits can start within a few days to a week after the onset of disability and continue for anywhere from 15 to 52 weeks, depending on your group policy. Long-term disability (LTD) benefits become accessible after a longer waiting period. Sometimes the length of short-term disability benefits covers the entire waiting period before long-term disability benefits begin. STD and LTD benefits are calculated differently: STD benefits are calculated based on a percentage of your weekly salary, while LTD benefits are calculated based on a percentage of your monthly earnings. The taxability status may also be different for each type of benefit. STD benefits are not subject to a definition change after a set period of time, where LTD benefits are subject to a change of definition with respect to the test for “total disability”. Please click here for more information.