Unlike short-term disability benefit payments, which can last for weeks or a few short months, long-term disability benefits payments are in place for several months or years. Payments can even last until retirement, in some cases. Depending on the terms of the policy, payments end when the insured returns to work. This would be any job they can do if their policy states “any occupation,” or their specific role if their policy states “own occupation.” The own occupation definition is typically reserved for jobs requiring years of training and specialized knowledge, such as a surgeon. If the insured cannot return to work, the payments end on a date determined in the policy (death, retirement, etc.).