I do want to point this out but it may not be applicable
At my daughter’s first job, long term disability was included with her benefits package. At her second job, it was an extra cost. That you had to purchase when you accepted the job and health care benefits.
She opted to not purchase long term disability because she was young and healthy.
Then she got cancer and it would have been nice to have that option because recovery was longer than she thought but she now has FMLA but not the long term disability insurance.
It’s a fortune 50 company and the healthcare package is top notch. No one expects a hiccup, I thought I’d mention the mistake she made.
I’m sure she will opt into insurance with her next job. She really likes this one and isn’t looking for a change.
I guess my point is that it’s good to look into all the benefits and see what works best.