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.
A barn is an agricultural building usually located on farms and used for various purposes. In the North American area, a barn refers to structures that house livestock, including cattle and horses, as well as equipment and fodder, and often grain. As a result, the term barn is often qualified e.g. tobacco barn, dairy barn, sheep barn, potato barn.
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