Raima Osmani 7/17/25 Raima Osmani 7/17/25

ELI5: Differences Between Short and Long-Term Disability Insurance in 2025

One day, you’re sipping your warm morning coffee while watching your kids play in the living room. The next day, a simple misstep causes a bad twist to your ankle.

What seemed like a minor injury at first quickly turned out to be something much more serious, leaving you unable to walk comfortably.

In that moment, panic takes over…

“What about my job? I can’t go to work in this state? How will I pay my bills? What about groceries and rent? Will I lose all my savings? Will my family be okay?”

And this is precisely the situation that disability insurance is specifically designed to protect against.

SJM Cares

LOCATION
1074 Coney Island Avenue
Brooklyn, NY
11230

CONTACT
hamad@sjmcares.com
amir@sjmcares.com
(347) 696-6757

DISCLAIMER

This website is owned and operated by SJM Insurance Services, LLC a licensed health and life insurance brokerage in New York and New Jersey, #LB-1024797.

No Government Affiliation. This ad is not from the government. It’s from SJM Insurance, an independent insurance brokerage selling plans from many insurance companies.

The Medicare plans represented are PDP, HMO, PPO, PFFS, and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Eligibility may require a Special or Initial Enrollment Period. SJM Insurance and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease. Medicare Supplement plans are not connected with or endorsed by the U.S. government or federal Medicare program.

We do not offer every plan available in your area. Currently we represent 10 organizations in New York and New Jersey with many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The plans we represent and their subsidiaries do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.

Submitting your information constitutes permission for an agent to contact you with additional information about the cost and coverage details of health plans. Possible options include, but are not limited to Major Medical Plans, Short Term Plans, Fixed Indemnity Plans, and more. Descriptions are for informational purposes only and subject to change. Insurance plans may not be available in all states. For a complete description, please call us to determine eligibility and to request a copy of the applicable policy. This is a solicitation for insurance. Standard messaging rates may apply.

Quotes may vary depending on various factors, including coverage choices, insurance companies’ underwriting practices, and others. By using this site, you acknowledge that you have read and agree to the Terms of Service and Privacy Policy. We are committed to protecting your privacy.

The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. SJM Insurance offers a free service with no obligation to enroll. Your information and use of this site is governed by our most recent Terms of Use and Privacy Policy.

All content on sjmcares.com and its subpages is intended for informational and educational purposes only. It should not be interpreted as direct financial, insurance, or legal advice. Every person’s situation is unique, call 917-373-0117 to speak with a licensed advisor for personalized guidance

Last Updated Date: 05/07/2025