Launching: Disability Insurance

zeebamom
Wed, 26 Oct 2016 03:09:40 +0000

My company provides disability, both short and long term. The important thing was to sign up upon hiring. I know people who didn’t sign up and later had to go through med exams, etc. to get coverage and were denied. I pay some very small amount extra for 60% of base pay for LTD and can supplement with sick leave hours to be at full pay.

If my child worked in an industry where repetitive stress injuries were common, they were active in sports, or had a family history of cancer, heart trouble, etc, I’d be all over them to find private coverage.

I’ve used coverage a few times - recovery after minor surgeries, while undergoing radiation treatment, after the births of my kids. While we would have been ok without it, having the $ took the pressure off and I didn’t go back too soon.

Does her company offer anything? Can she get coverage through a professional organization? Will she make enough in comparison to expenses to self insure?