Confused about disability benefits? Short-term disability usually kicks in first, often with help filing state disability. Then, after 6-12 months, long-term disability takes over. Insurance companies even have incentive to assist employees in filling it out with the state to make sure that they get the benefits. #DisabilityBenefits #ShortTermDisability #LongTermDisability #Insurance #EmployeeBenefits | Mel DeWeese: Empowering Businesses & HR Decision Makers