This insurance is provided on both fixed and variable rate loans offered by your Credit Union. The premium for the disability insurance is added to the loan at the end of each month. The insurance become effective when the insured is out of work for sickness or injury more than 30 days. The Disability Company will pay your loan payments to the first day of disability until you return to work. You must notify us if you are out of work due to the above so that we can send you the necessary papers.