Poll

Do you have Disability Insurance

NO
6 (54.5%)
Yes. I have an Individual DI policy.
1 (9.1%)
Yes. I have employer group STD/LTD.
3 (27.3%)
Yes. I have group STD/LTD and my own Individual DI policy.
1 (9.1%)

Total Members Voted: 11

Author Topic: Do you have Disability Insurance?  (Read 296 times)

Offline ExGingi

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Do you have Disability Insurance?
« on: April 07, 2020, 05:15:48 PM »
The thread asking about Life Insurance got me thinking that a product that is no-less important but much less widely owned is Disability Insurance.

While most Individual Disability Insurance policies have a 90 day elimination period, so they only kick in if it's serious enough to last long, many quality policies have a "presumptive disability" clause, which would waive the elimination period in certain cases (being in a coma might be one of them).

So how many people here own an individual Disability Insurance policy, or have STD and LTD through an employer?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline CountValentine

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Re: Do you have Disability Insurance?
« Reply #1 on: April 07, 2020, 05:28:29 PM »
Never owned my own but had both through my union.
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Offline ExGingi

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Re: Do you have Disability Insurance?
« Reply #2 on: April 07, 2020, 05:57:30 PM »
Never owned my own but had both through my union.

You couldn't buy one now even if you wanted to (except maybe through Lloyds of London, if you can make a good case as to why you should be insured).
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline cholent

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Re: Do you have Disability Insurance?
« Reply #3 on: April 07, 2020, 07:11:13 PM »
I have two std plans. Used to have LTD with my previous employer but my current one doesn't offer that.
Don't ask stupid questions and you won't get stupid answers