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.
A pole barn is a structure that's supported by poles set in the ground and anchored by concrete. Poles support the roof, and walls are optional. No foundation is required, and finished floors are also optional. Pole barns can be built to any size. The framing is horizontal to the posts, ensuring a sturdy and reliable structure. The posts and frame of pole barns are made of wood. Metal or wood siding can be used. Roofs typically are made from galvanized steel, although shinglesÂ­ also can be used [source: Burch].