What is a common feature of short-term disability (STD) group plans regarding benefit periods?

Short-term disability (STD) group plans are designed to provide coverage for employees who are temporarily unable to work due to illness or injury. The typical benefit period for these plans is generally less than 2 years, often ranging from a few weeks to a maximum of around 6 months. This limited duration reflects the nature of disability claims that are expected to resolve in a short timeframe, allowing employees to return to work after recovery.

The benefit structure is tailored to provide immediate financial support during a temporary incapacitation, distinguishing it from long-term disability plans, which are intended for ongoing or more severe disabilities and can last for several years or even until retirement. Short-term disability programs focus on short intervals of time rather than extended periods of income replacement, which is why the correct response aligns with the standard practices observed in such insurance policies.