AFLAC...or other Dis-ability policies...any experiences?
I carry 100% coverage on everything with high deductibles ($1K) to stay as "self-insured" as it practical these days. I don't want insurance paying for ANYTHING unless it is a big ticket issue (like the $6K lower unit they replaced on my boat a while back).
What I am inquiring about is AFLAC-type of coverage where if you get hurt and can't work, insurance covers your personal bills. I already have something like a 30% coverage through my standard work package but wanted to know if anyone here could guide me on how to supplement that coverage with additional coverage and how much of a monthly nut it might run for others? Personally, I think its my wife's idea that it cost so much that I will abandon the buying process altogether but have agreed to "look into the details". I also realize that about 1% of this community might even have considered such coverage so if nobody has, no problem. I am a 48 year old male who has never had an accident, is a non-smoker and has never had any health problems.
PS - My "work" is mostly working from a remote home-office and talking on the phone about technology design projects so about the only thing that she is REALLY worried about is me "scrambling my noggin" and being unable to do things like IP subnets on the fly or my ability to understand the distance vectors of RF modulation for cell sites. In short, she doesn't want to have a vegetable AND huge bills AND no regular income. My wife is VERY frugal so I am lucky in that way. We do have a LOT of savings in catastrophic cases but she wants additional assurances as any intelligent women would.
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Last edited by ndabunka; 04-18-2011 at 08:00 PM.