Let ME ask the questions, please. I think this way it's going to be easier. I recently came across the employee benefit research institute, is that a website you'd recommend?
Absolutely. The Employee Benefit Research Institute is an officially listed resource.
So it's reliable, I see. One more question regarding the application. Do the benefits start right when I apply or how does it work?
It depends, you may be able to start your benefits in the month you apply. You should apply for benefits no more than four months before the date you want your benefits to start. Benefits are paid the month after they are due.