Quote:
Originally Posted by dynalow
Doesn't your employer provide group life or disability, assuming you are not self employed?
Most disability policies are of limited duration I believe. Three months or so. After that, it's into the Long Term Care pool, which most young people choose to ignore.
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I'm self-emplyed, which makes getting anything a tedious task of proving myself as insurable. Just to set up the disability policy, I've had to show them tax records for the last 8 years. Why? Because I'm self-employed and as a contractor, they think of me as some day-worker standing on the street corner hoping someone will drive by and hire me for the day.  So I sent them 8 years of proof that I have a steady income. That's still not enough: they declassified me to a lower status, which means the same policy proposed to me last week (that'll cover me until I'm 65) will cost me $28 more a month. This stinks!! 
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Current:
2014 VW Tiguan SEL 4Motion 43,000 miles.
2016 Hyundai Santa Fe Sport (wife's).
Past:
2006 Jetta TDI 135,970 miles. Sold Nov. '13.
1995 E-320 Special Edition. 220,200 miles. Sold Sept. '07.
1987 190-E 16 valve. 153,000 miles. Sold Feb. '06.
1980 300-D 225,000 miles. Donated to the National Kidney Foundation.
1980 240-D manual, 297,500 miles. Totaled by inattentive driver.
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