In a previous post, we outlined what you should be aware of when applying for and receiving short-term disability benefits.This post will discuss the differences between short-term disability (STD) benefits and long-term disability (LTD) benefits.It is always important to review your benefits booklet and policy to know what coverage you are entitled to.Here are some key differences you should be aware of: #1 - The Waiting Period The waiting period for STD benefits is relative [...]