PART 2: DISABILITY INSURANCE RESTRICTIONS AND HOW MUCH $$$ INSURANCE IS NEEDED {CONTINUED FROM: PART 1: INSURANCE SHOULD BE NO MORE OF AN OPTION THAN EMPLOYMENT!}

If I could have one ”do over” insurance decision, I would have purchased personal/private short and long-term disability insurance, in my 20’s.  Recently I became one of the 40% of Americans with a chronic illness and applied for short and long term disability insurance. I discovered several loopholes and “20-foot concrete, steel-reinforced walls/barriers”, depending solely on and Employer Sponsored Disability Insurance Policy!  RISK FACTORS Majority of you face the strong likelihood you will work for several ...

Read More