The following website links will provide you with the information you need in order to be well informed about disability insurance and medical retirement:
If you become disabled, and your claim is approved by the insurer, your monthly benefits will equal 70% of your insured annual salary. Benefits under DI or LTD begin once you have used up all your sick leave and provided that you have met a minimum waiting period of 13 weeks. Benefits continue for as long as you meet the test of total disability under the plan. If you are permanently disabled, your DI or LTD benefits will continue until you reach age 65.