Which of the following is NOT typically a feature of short term disability insurance?

The correct answer highlights a significant aspect of short-term disability insurance, which is its typical benefit period. Short-term disability insurance is designed to provide temporary financial support to individuals who are unable to work due to a non-work-related injury or illness, offering benefits for a limited duration. The benefit periods generally range from a few weeks up to a maximum of 6 to 24 months.

Features such as a short elimination period, which is the waiting time before benefits begin, are common in short-term disability policies, allowing individuals to access assistance relatively quickly. Coverage for non-work-related injuries is also a standard provision, distinguishing it from workers' compensation insurance, which only covers job-related incidents.

In contrast, a benefit period of 2-5 years does not align with the typical structure of short-term disability insurance. Such a long duration would rather characterize long-term disability insurance, which is designed for extended financial support for serious conditions that incapacitate individuals for a prolonged period. Consequently, this understanding reinforces the distinction between various types of disability insurance and clarifies why the option related to a 2-5 year benefit period is not typically associated with short-term disability insurance.