From: "bowgus" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Supplemental Long-Term Disability
Date: Tue, 30 Jan 2007 18:12:39 -0600
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> Then you are obviously recommending "throwing out the baby with the
> bathwater"
> (if one company is doing a bad job, then boycott ALL companies)
>
> Cal Lester  CLU- Hide quoted text -
>
> - Show quoted text -

Well no. I'm saying go with the group disability coverage of 65%, and 
think twice about paying for any additional coverage as an individual, 
because as an individual, it will likely be very very difficult to 
collect. If a person were really concerned, there are other ways to 
plan for contingencies ... like go for that promotion and/or pay 
raise ... 65% of $50K is $32.5K and 65% of $100K is $65K ... too easy. 
Or ... well, there are other very positive ways to better oneself 
financially than to pay into ... an insurance lottery where winning is 
imo for losers :-)