You go on Short then Long Term Disability which is 50% of your last 12 months. That is supplemented by a 28% retirement contribution (14% of your last 12 salary). It ends at age 65. There are no premiums at all for the disability plan. We have a voluntary Mutual Aid plan, that is supposed to get you back up to 100% for the first 12 months you are on disability, the premium is quite small.