If a temporary disability exists, one must use a temporary disability policy to remain insured. Policy terms and coverage vary and depend on the type of disability.

About temporary disability:

Full policy term usually covers time when temporary disability condition is active. Often, policy lasts for several years. Amount of policy coverage is usually dependent on extent of the disability.

-You can do your job in an adapted way. -You can afford the best healthcare or extra attention, depending on the person. -You are not obligated to provide financially.

Pros of temporary disability:

Temporary disability generally refers to medical term for an injury that has rendered a worker unable to work for a certain length of time. It doesn't necessarily mean worker cannot return to same job

-You get to keep your job. -Employment insurance is paid for up to 36 weeks. -Long-term disability is for a longer period. -You can work during the trial, if you apply.

Pros of temporary disability:

Temporary disability must be evaluated by a physician to see if the injury is serious enough to continue the worker's inability to work. If it is, the employee has to undergo a surgical evaluation.

-You still get some money in Social Security, even though it doesn’t go as far, but you can’t claim it for six months. -You can keep your house and other assets too.

Pros of temporary disability:

Temporary disability prevents withdrawal from caregiving as caregiving would stop and the benefits would no longer be available. Also pay is considerably higher than other options that are available.