On powered Ethernet interfaces, 48 VDC is delivered from Ethernet switches to 
IP phones with + over one twisted pair and - over another pair of a CAT5 cable. 
The power is not permanently connected to the connector or cable. It is 
switched to the socket/plug only if an IP phone is detected on the other end of 
the cable. If someone disconnects the phone, the power will be disconnected 
from the socket by a switch (or relay).

In the integrated types of connectors/socket, with transformer and some other 
components built-in, the distance between + and - of 48V can be as little as 
0.02" on a surface of a little PCB. 48 V over 0.02" gives E field strength of 
94 kV/m.

Is there any safety or reliability concern with 48V possibly permanently across 
0.02" spaced pads on a PCB surface? I believe safety-wise it is okay, but I am 
not sure if electromigration or something else may cause long-term problems, 
since the phones are more-less permanently connected.

Any comments? I am not particularly interested in the power-supply design 
aspect, but more in this specific situation with 48V across small creepage 
distance.

Thank you, Neven

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