[LWJ]

Are you kidding? It is MANDATORY! (No, I am not a Doc.)

I have a family that I support. No work = no money = much pain for the family.

Disability is expensive because it pays out a considerable benefit. I have LTD. I personally can bankroll a few months if the wheels should fall off the bus. LTD is much less $ for the benefit.

Here is the kicker. Individual disability is expensive. Group is something like 25% the cost of individual. There are rules of course about who can make a group. It will vary by state.

PM me if you want some specifics. I work in insurance and have co-workers that are far more educated on this topic.

Larry