Reasons For Disability What Are The Reasons To Get Both Short-term And Long-term Disability Income Insurance?

What are the reasons to get both Short-term and long-term disability income insurance? - reasons for disability

I am totally confused, as usual. But if you have the opportunity to short-and long-term disability insurance, why? Is it short term for long-term spending it? No long-term period to cover the short-term and that, anyway? Or have you both in the immediate future and long-term deal? Why is everything so complicated, why can not be otherwise, only one type of disability insurance .... its soo annoying what do you want to obtain or maintain both? arrrrrrrrrrrgggggggggggggggggggg. I'm only 28 and I do not know if this is a factor in relatively good health ... But in a profession that can be dangerous. Field of mental health direct care. What about different strategies, I am of the opinion that the repayment of the company if they do not offer these two .....

Thanks for any help