This coverage provides protection up to $600 per month on loans up to a maximum balance of $30,000 for disability if you are working for wages or profit for 25 hours a week or more on the date of any advance.  If you are not, that particular advance will not be insured until you return to work.  If you are off work because of temporary layoff, strike or vacation, but soon to resume, you will be considered at work.  Insurance coverage will stop at maximum age of 66.

The rate for this coverage is 29 cents per $100 of monthly loan balance.