Where Did the Rain Go? Click link above to see weather patterns of a typical summer moving into the weather pattern of the 1930s dust bowl drought. See side bar for more information. (Credit: NASA) Click HERE to view animation. Click on image to enlarge.
Typically, a short-term disability policy provides you with 40 to 70 percent of your pre-disability base salary. Some people have short-term disability insurance through an employer, union, or other professional organization. This type of policy is known as group coverage.
Long Term Disability is income protection insurance for excluded employees who cannot work due to a serious injury or illness. The Long-Term Care (LTC) Program, offered by CalPERS, provides coverage for employees who need extended care due to a chronic disease, frailty of old age, or serious accident.