STD only goes as long as the last date of employment at which time, according to our termination letter (Dec 8, 2010), ends all benefits with STD. Go for LTD as quick as you can during the two months before temination date. After that, you are shot. I went on STD due to surgery I had after last year "phone call" from Manager. My surgery was the next week in December so I could us my vacation balance and last week of year to rest (I did not think of being displaced). NVS stated that since I was notified I would be displaced, that STD was not viable, nor was LTD. I have had complications from the surgery...back bones not healing properly. Not surgeons fault, however, surgeon is suggesting SSD (only 3000 mo.) He stated that this is probably from 15 years of windshield time in a car (big territories) and hauling a bag around. I am now speaking with an attorney because I was disallowed the insurance that I paid for, STD and LTD. Good Luck