My Captain! with this of Walt Whitman's great poem. 1  slide 1 of 4. Background Information Abraham Lincoln was a man Walt Whitman deeply admired and is the captain to whom Whitman refers. 2  slide 2 of 4. O Captain! 3  slide 3 of 4. Analysis Now that we have a little background information, we can continue with our analysis.  slide 4 of 4.
See these basics of short-term disability insurance for an overview. Once the short-term benefits expire (generally after three to six months), long-term disability insurance pays a percentage of your salary, usually 50 to 60 percent, depending on the policy. The benefits last until you can go back to work or for the number of years stated in the policy.
To protect against such situations, most insurers offer an optional Cost of Living Benefit. Under the provisions of this option, the insured's monthly disability benefit will be automatically increased once the insured is on claim (receiving disability income benefits). Typically, this increase occurs after the insured is on claim for twelve months, with subsequent increases each twelve-month period thereafter as long as the insured continues to receive benefits.