Table 2.

Most Common Employer-Provided Disability Plan Provisions

Provision	Short-term Disability	Long-term Disability
Benefit as % of salary	60	60
Maximum monthly benefit	$4000	$6000
Elimination period	7 days	180 days
Maximum benefit period	26 weeks	To age 65
Definition of disability	Unable to work in own occupation	Unable to work in own occupation for 24 months or in any occupation thereafter
Social Security offsets	Primary and family benefits	Primary and family benefits