As someone who is out on LTD now. I can say I will not vote on anything that doesn't address this issue. At my previous job Harvey Watt was used and the process was painless when having to file a claim after an injury. With no short term here, and the current provider I would expect no pay for 4-6 months time. It took 2 months past my elgibility date to receive first payment, and that was with me hounding the provider and doctors. Bottom line you better have some money saved because the sick time goes quick. Just my .02. That's not even addressing the 2 year term which is garbage.