I'm thoroughly confused as usual. But, if you have the option to get both short and long term disability insurance why would you? Does the short term cover things the long term doesn't? Doesn't long term cover the short term period as well anyway? Or do you have to have both to be covered in the immediate future and long term??? Why does everything have to be so complicated why cant there just be one kind of disability insurance its soo annoying....Which one would you get or would you get both???? arrrrrrrrrrrgggggggggggggggggggg. I'm only 28 so don't know if thats a factor, in relatively good health...but in a profession that can be dangerous. Mental health field, direct care. What about individual policies, should I consider paying outside of the company if they dont offer both of these..... thank you for any assistance

I am 27 and was told that I could opt. out of social security, and could get a long term disability insurance alot cheaper. If I did this I woul dump the rest in my 401k, which will add up to around 400 a month.

My company still has me listed as an employee and I just got released from long term disability. What is there obligation to me if any? Due to Hippa and Disability laws I want to know what I can expect. I have been in contact with them and they are trying to figure out what to do with me.

I didnt work at all last year because I had surgery, and only received W/C and Long*term disability do i still need to file and if so do i get money back without any taxes being taken out?