Curious about the difference between Short Term Disability Income Insurance and Police Officer Duty Limitation Insurance? Let’s walk through a quick definition of each and an example.

Short Term Disability coverage replaces a portion of your income for a set period when you cannot work due to an illness, injury or pregnancy. The amount paid depends on the coverage level elected, the length of the elimination period and the duration of the qualified disability.

Police Officer Duty Limitation Insurance replaces a portion of your income for a set period when you are limited from participating in additional work due to being placed on a covered change of duty status. This could include administrative duty or leave, or indefinite suspension. The benefit you receive depends on the coverage level and max benefit period elected, and the length of the elimination period.

Let’s say you carry both coverages.

If you throw out your back and are placed on disability, your Short Term Disability coverage will pay you a monthly benefit while you are unable to work.

If you were put on administrative duty due to a firearm discharge, your Police Officer Duty Limitation coverage will pay you a monthly benefit for the duration of your administrative duty, up to the maximum benefit period.
The money from either benefit can be used however you like, such as for your mortgage and utilities, car payments or other living expenses.