The College provides protection for eligible employees in the event of a lengthy disability, under its long-term disability insurance, with Standard Insurance. This plan covers all regular full-time employees who become disabled because of their medically verified inability to work. The first six months of a continuous disability may be covered through the College by a combination of paid time off, vacation time, sick time, and/or unpaid time off. Once a disability continues beyond six months (180 days), the long term disability plan provides income replacement for employees up to 60 percent of their monthly base salary, to a maximum benefit of $15,000 per month. Eligibility for income replacement benefits continues until the person reaches full Social Security Retirement Age (FRA), if disabled prior to age 63.