They will pay for only a certain amount then they start charging you. This a very dificult area because of the emotional and financial issues associated with a chronic illness. I am not edorsing this plan, it is for FYI only. The most inexpensive protection against the financial devastation of disability is group long-term disability insurance which provides assured income protection with regular monthly cash benefits. Benefit Highlights Pays you a regular income when you are disabled and cannot work Pays partial disability benefits if you are able to return to work on a limited basis after a period of continuous disability.
Benefits start on the first day of the month after six months of continuous disability.
Disability is based on your inability to do the duties of your own occupation for the first 30 months of disability. Afterwards, the definition then becomes your inability to do the duties of any occupation for which you are reasonably suited. Part of this benefit may be paid by Social Security, Worker's Compensation, or disability benefits from a plan in which Penn State University contributed or deducted funds from your wages. The Survivor Income Benefit provides that, if you die after being disabled for 18 months or longer, TIAA will pay the last Monthly Income Benefit for a period of five months to your surviving spouse or dependent child. Under the group policy due to termination of your employment with the Policyholder, you may purchase insurance on a individual basis under a conversion policy without providing proof of good health.