AOTA Occupational Rehab Practice Test 2026 – Complete Exam Prep

The correct answer highlights a key distinction between short-term and long-term disability coverage based on the duration and nature of the conditions they address. Short-term disability typically pertains to temporary conditions, such as injuries or illnesses that allow for a relatively quick return to work, often within a few weeks to six months. This type of coverage is designed to provide financial support during the initial recovery phase when employees are unable to perform their job duties but aren't expected to be out for extended periods.

On the other hand, long-term disability is intended for more chronic conditions or long-lasting health issues that may prevent an individual from returning to work for an extended duration, often exceeding six months or even leading to permanent disability. This distinction is crucial for both employers and employees when considering appropriate coverage options and planning for potential health-related work absences.

The other options do not accurately capture the essential differences in coverage duration and conditions between short-term and long-term disability. For example, the notion that short-term disability covers only injuries while long-term covers mental health is incorrect, as both types of disability can encompass a variety of conditions, including physical and mental health issues. Similarly, the idea that short-term is always employer-funded and long-term is always employee-funded does not universally apply, as funding