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If a disability for which benefits were payable ends but recurs because of the same or related causes no more than 90 days after the end of the prior disability, it will be considered a resumption of the prior disability. Under these circumstances there is no need to satisfy another elimination period.
The purpose of disability insurance is to provide money that replaces some or all of the income lost when an employee is unable to work due to a disability (e.g., an accident, illness or maternity leave, and whether short-term or long-term). Unum offers a variety of disability insurance forms:  1 Long-term disability pays a percentage of an individual's gross monthly salary if he or she can't work due to a covered injury or illness.  2 Short-term disability pays a percentage of the income if the policyholder misses work due to a covered injury, illness or maternity leave.