While short-term disability insurance cover’s an employee’s pay for a short period of time in the event they are unable to work, Long-Term Disability insurance coverage provides long term protection for employee’s compensation. Pre-existing conditions are often not covered by long-term disability insurance, however it’s important to communicate the benefit of having a long-term disability policy in place as an employer looking to attract and retain employees. Having disability policies in place are a great way to exemplify an employer’s commitment to their employees. Here at UFG Benefits, we have over 20 years of experience navigating disability plans and supporting employees filing claims to receive benefits.