If you are already on long term disability and you have your plan switched to short term, it's likely that you will qualify for short term disability.
About long term disability insurance cost:
It’s not just don’t feel good today or like that. Reason you should check is make sure you aren't paying out more to your plan than you should when opting for short term disability for mental health.
-If you are treated on the right protocol, you will be able to get back to work as soon as possible.
-Low medical deductible reduces your overall cost.
Pros of short term disability for mental health:
There are a lot of misconceptions about people with mental illness and it's stigma, so we thought we'd make a point for you to help dispel some of myths about short term disability for mental health.
-Precise illness: you are only eligible for cover for illnesses a doctor has diagnosed you with
-Depression or PTSD doesn't count against your coverage
Pros of short term disability for mental health:
During short term disability for mental health sometimes, you can't leave your house because the only place you feel safe is in your room and you want to stay there so you don't hurt yourself usually.
Cons of short term disability for mental health:
-Benefits usually run out after a few months.
-Depending on the state, you may not qualify for compensation.
-You won't get Social Security Disability.
With long term disability insurance cost low, it may be beneficial to take money you are saving in health premiums & pay for basic disability policy cover that does not include secondary protection.