Short-term disability insurance covers disabilities lasting from a few days to 13–26 weeks, with benefits beginning quickly after disability begins. Long-term disability insurance activates after an elimination period and can pay benefits for 2 years, 5 years, 10 years, or to age 65–70, depending on the policy. Most financial planners recommend both — short-term to bridge the gap, long-term to protect against serious or chronic conditions that can end a career.