Alright this is my last year of Nurse Practitioner school. It's getting very intense. I'm doing 250 hours of clinical hour rotatations in 16 weeks, working full time (36 hours a week/ 3 12-hour shifts). I really need to drop down to part time at my job and work weekends only so I can dedicate my weeks to my last year to school. Part time is two 12 hour shifts. That extra 12 hour day really goes a long way when you're up to your eyes in textbooks and clinical rotations. It's never ending learning. My rotations are unpaid. Free labor for the hospitals. I'm going to be working wekends only, and will have M-F off to study, and meet clinical requirements. Problem 1: When I drop down to part time at work, I lose Short term disability and long term disability. So if I get clocked in rush hour traffic....and become hurt and cannot work. I'm screwed. And if I go back to full time, I have to be back full time for 365 days before short term and long term kick back in. This is insane, I can't go without short term disability/long term disability for two years. Not only becuase I ride dirtbikes....but because a guy I work with recently dropped down to part time. Fell off a ladder, broke his hip. Off work, no income and in his last year of NP school....now he thinks he might lose his house. I don't want to deal with that. I need to find coverage for short term disability, long term and accident. If I can't find it, I'm not gonna drop down to part time, I'll sell my FC250 and just grit it out for 1 year. Any insurance guys lead me in the right direction ? Ive called Aflac and they can't offer me short term disability or long term unless it's through a group and Cleveland Clinic doesn't deal with Aflac. But even with a group i'm past the clinics open enrollment time frame....so I couldn't even get into a group policy with clinic. Aflac said can offer me an accident policy for $49 a month. It pays for broken bones etc. But I saw in the final page that they do not cover citizens in the Army reserve or national guard....so I don't even think I can get that because I just commissioned into the US Army last month. I dont know what to do.