ody Q: I am on long term disability through my school district’s LTD plan. I will not qualify for SS or full disability at the end of the 24 month LTD period. During this 24 month period I am receiving 80% salary, 100% of the district’s insurance package (with waived premiums) and I am under contract. At the end of the 24 month LTD period would I have any COBRA rights? While I know it would be expensive, however I am fearful that I will be unable to find insurance.