First off, you need some legal help. While there are a lot of smart people here, your needs go deep, also someone that is very familar with insurances that are in place right now. IF he goes out on disability, and the insurance for that is lost, then will disability still pay without the premiums being paid. What about medical treatments, can they afford cobra payments.
If you are looking for disability through the gooberment, sorry, chances are he will be in the grave before they give it to him. Could take years.
You really need a conserted plan to cover both short term and long term needs. For sure a knee jerk action now will have longterm effects if it is not the right one.
I dont know if there would be a difference if he was management of hourly, but I do know the insurances are far different.
Have him get legal and insurance help. under $100 now will save a lot of grief later.
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