12 Accidents and illnesses happen and often when we least expect them. Ensure you are financially prepared to stay afloat during a medical condition with disability insurance. SHORT-TERM DISABILITY 101 LONG-TERM DISABILITY 101 LONG-TERM DISABILITY You are automatically enrolled in this employer-paid coverage. BENEFIT 60% up to $6,000 per month DURATION 24 months or SSNRA WAITING PERIOD Illness: after 90 days Accident: after 90 days REVIEW PLAN SUMMARY DISABILITY