240 monthly payments. (2) ISA duration The ISA duration of an educational ISA shall not exceed 360 months (except in the case of an extension requested by the ISA recipient). (d) Non-Interference An educational ISA shall not be construed to give the contract holder any rights over an individual’s actions other than as provided in this Act. 103. Discharge protections for ISA recipients (a) Permanent and total disability In any case where an ISA recipient would be deemed totally and permanently disabled for purposes of benefits administered by the Department of Veterans Affairs or the Social Security Administration (determined without regard to whether the recipient receives such benefits), all further obligations of the ISA recipient under the income share agreement shall terminate, except those accruing before the date such a determination would apply. (b) Death Upon the death of an ISA recipient, all further obligations of the ISA recipient under the income share agreement shall terminate, except those obligations accruing before the ISA recipient’s date of death. 104. Limitation on amounts treated as income under educational ISAs (a) In general For purposes of calculating the obligation of an ISA recipient to make ISA payments under an educational ISA, the income of the ISA recipient shall not include— (1) the income of any child or dependent of the ISA recipient