If your client's needs change after two years from the effective date and before turning age 60, he or she may request conversion of this policy to an individual disability income policy. (standard.com)
Short Term Disability Income policies only provide disability benefits for a short period of time, i.e. 180 days. (echealthinsurance.com)
In this way, disability income policies differ from critical illness insurance, which pays just a single lump - sum payment if the policyholder is impacted with a serious or life threatening disease. (investopedia.com)