I live in Canada, and I know it's way different here. I have been on ST with my employer for 4 months, which is the maximum. I'm now filling out the paperwork to go on LT thru my employer, which will be 60% of my base salary, non taxable, plus my employer automatically moves me to the highest level of benefits, and they take over paying all premiums.
I believe LT can last until I'm 65 if needed, then I would be on the Canada Pension Plan, etc.
Do you have a legal aid office, or a college/university that teaches law? Sometimes you can get a half hour of free legal consult, which would help you decipher the plan.
Conditions: Fibromyalgia, Chronic Pelvic Pain, FAI, Reynauds, IBS, Surgical Adhesions, Ophthalmic Migraines
(plus physically unable to vomit due to Nissen, and I have extremely tiny veins...a joy for blood work or IV's)
Surgeries: Appendix, Uterus, Nissen Fundoplication for GERD, Left Ovary, Gallbladder, Right Ovary, TVT
Medications: Oxycontin, Tramacet, Cymbalta, Nortriptyline
Other: Vitamin D, Multi-Vitamin