We have started getting calls for disability claims related to the Covid-19 pandemic. Most LTD insurance policies have an elimination period of either 90 or 180 days which mandate that you be continuously disabled for this period of time in order to be eligible for long term benefits. The duration of many short term disability insurance polices will correspond with the elimination period of the LTD policy. (i.e. STD will pay for 90 or 180 days) Given the nature of the pandemic there are a significant number of people who have become gravely ill with this disease. We would encourage you to make sure that you timely apply for both Short and Long term disability insurance if available to protect your family from the financial impact of the pandemic.