If a member or spouse/domestic partner is fully disabled for a period of six consecutive months and is under age 60, their insurance premium will be waived for as long as they remain totally disabled. Written proof of total disability must be provided to The Prudential Insurance Company of America. This additional benefit must be elected, and there is a small additional monthly premium for this benefit. Members and their spouses/domestic partners must be under the age of 55 to select the disability waiver of premium.