My Captain! with this of Walt Whitman's great poem. 1  slide 1 of 4. Background Information Abraham Lincoln was a man Walt Whitman deeply admired and is the captain to whom Whitman refers. 2  slide 2 of 4. O Captain! 3  slide 3 of 4. Analysis Now that we have a little background information, we can continue with our analysis.  slide 4 of 4.
See these basics of short-term disability insurance for an overview. Once the short-term benefits expire (generally after three to six months), long-term disability insurance pays a percentage of your salary, usually 50 to 60 percent, depending on the policy. The benefits last until you can go back to work or for the number of years stated in the policy.
Long-term disability insurance (or LTD insurance) has the same purpose as short-term disability insurance. The difference is when it kicks it and for how long. Long-term disability insurance only kicks in after an elimination period (a.k.a. a waiting period). The typical elimination period is 90 days, but can be as long as 180 or 360 days depending on your policy.