Sam can't medically come back to work because of his pulmonary issues for a year. He has a short-term group disability policy that requires a 30-day waiting period and a benefit duration of 90 days. He also has a private long-term disability policy that has a 180-day waiting period and a benefit duration of two years. What will be his gaps in coverage, if at all? Short-term coverage ends at 90 days and long-term coverage begins at 210 days Short-term coverage ends at 30 days and long-term coverage begins at 90 days. Short-term coverage ends at 120 days and long-term coverage begins at 180 days, Short-term coverage ends at 90 days and long-term coverage begins at 180 days