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[quote=Anonymous]OP, can you confirm what you are asking about?

Is it some kind of supplemental disability insurance?   Or long term care insurance?  ($1000 a month won't buy you a lot of long term care...)

My husband is a fed who is retired on disability.  It is a good program but not as good probably as private disability insurance would have been.  It pays 60% of your salary for the first year you are disabled and then 40% of your salary thereafter, until you hit regular retirement age.  The jump down from 60% to 40% was really hard to deal with though, because we aren't retirement age yet -- still have kids at home, still saving for college, haven't paid off the house so we still have a mortgage.  And now we have a lot of extra costs because he is disabled!   So it's a real hardship.   A plan that paid 60% of his salary would of course have been better -- but surely more expensive.  Most people aren't permanently disabled though and are able to go back to some other kind of work after a while.   So you have to decide what you think is likely for you.[/quote]

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