t remember the exact reasons, I recall that I went without income
for 2 years and then was reimbursed
for 1.5. Also, I had to wait two years to
qualify for Medicare so I had to continue my former group insurance at my own expense. Whatever you do, DO NOT LET YOUR INSURANCE LAPSE. If you do, you'll be plagued by the "preexisting condition" clause for the rest of your life.
Disability is no walk in the park either. My income is less than 25% of what I was making when I worked.