Short-term disability: how much of your pay would actually arrive?
The replacement percentage is only the start. A waiting period, weekly cap, taxes and the transition to longer-term benefits can change the amount available for bills.
Long-term disability: the definition that can change an ongoing claim
A plan may assess your ability to do your own occupation first, then apply a broader test. Read that transition alongside benefit limits, offsets and return-to-work provisions.
Five places disability income may come from, and why the totals may shrink
Sick leave, workplace plans, individual insurance, government benefits and savings can all contribute. Eligibility, timing and offsets determine what can actually be combined.