The board shall provide or contract, or both, for disability income benefits for employees under sections 104.320 to 104.540, and persons covered by the provisions of sections 287.812 to 287.855, RSMo, and an employee covered under the provisions of subdivision (4) of subsection 1 of section 476.515, RSMo, as follows:

1. (1) Members of the water patrol who qualify for receiving benefits under subsection 1 of section 104.410 are not eligible for benefits under this section. Members of the water patrol who do not qualify for receiving benefits under subsection 1 of section 104.410 are eligible for benefits under this section;
2. (2) Effective January 1, 1986, employees other than members of the water patrol who qualify for receiving benefits under subsection 1 of section 104.410 shall be eligible for coverage on the first of the month following the date of employment;
3. (3) Definitions of disability and other rules and procedures necessary for the operation and administration of the disability benefit shall be established by the board;
4. (4) An employee may elect to waive the receipt of the disability benefit provided for under this section at any time.

(L. 1988 H.B. 1643 & 1399, A.L. 1994 S.B. 772)