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Navigating the complexities of disability insurance can be overwhelming, but understanding the differences between short vs long term disability is key to securing your financial future in times of need.
Admittedly, this type of coverage provides a crucial safety net, offering financial assistance if you’re unable to work due to illness or injury. At first glance, the distinctions are quite straightforward. Short term disability insurance and long term disability insurance serve different purposes, each with unique benefit periods and terms.

The goal of a personal injury lawsuit is to make the victim “whole” again—that is, to provide them with the financial resources they’ll need to undo as many of the effects of their injuries as possible. Complicating this goal, though, is the fact that not all of these effects have an obvious, quantifiable value. To address this, two primary categories of compensatory damages exist: pecuniary and non-pecuniary. Here’s what you need to know about these terms and how they could affect your personal injury suit.

A motor vehicle accident causing a personal injury is not only highly traumatic but can make for a complicated claims process. In fact, it’s not uncommon to see an accident claim go on for two years or longer. In order to save time and money, it’s in the interest of all parties to negotiate a settlement before a claim has to progress to court.