Originally Posted by Buehler445
Perhaps I should be looking into that type of insurance since I'm much more likely to need it in my industry than the normal office job, but at this point, I can't justify the cost.
Are you thinking you are protecting yourself against the car wreck/cancer types of risks?
Any type of long-term risk that would prevent me from working. I travel often, I live an active lifestyle, I sometimes work around large machinery and hazardous material. Anything can happen.
LTD @ 60% of my annual salary if I can't work anymore is worth the 0.4% of my gross salary that's deducted.