Which of the following is NOT true about short-term disability plans?

Short-term disability plans typically are characterized by specific features related to their duration and terms of coverage. The statement regarding the renewability of both group and individual plans being applicable does not align with common practices in the industry, which is why it is identified as not true.

Generally, group short-term disability plans often do not have a renewal option, as they are usually tied to the terms of employment and cease when the employment ends. Conversely, individual plans may offer some form of renewal or continuation, but this is not a universal characteristic.

Understanding the other responses provides additional context. For instance, it is correct that group plans can provide benefit periods of up to 52 weeks, which reflects the standard practice for group short-term disability coverage. Individual plans sometimes offer longer terms, up to 2 years, to cater to personal circumstances. Finally, noting that a benefit period of 26 weeks is common for group plans aligns with industry standards, making such a period typical in many group short-term disability insurance policies.

This highlights that while individual programs may have different structures, group plans usually have more fixed terms based on the employment context, leading to distinct differences in terms of renewability, which is not applicable to all situations.