Can anyone confirm or refute this bit, regarding spousal income? That’s pretty messed up, honestly. So you go out on disability & both of you are left sitting on your hands without access to any sort of employer-provided retirement or medical after the initial 5yr period?

Also, I know we don’t receive DC while on LTD - could someone on LTD continue contributing to the 401(k) themselves?

How about the HSA, during the 5yrs we maintain coverage? Would the company continue to contribute their share annually during that period? Could the employee opt to? Can the employee elect a different type of coverage for those 5yrs, such as switching from HDHP to PPO?