Originally Posted by 3stripes

Thanks for the help guys. I'll definitely be taking the disability.

Regarding the 401k, it just doesn't work for our situation. We are intending to move to the UK when we have kids and 401ks don't transfer. We have UK pension plans going already and my wife has a very good 401k with her company just in case. Our financial advisor has set us up with a pretty sweet deal specifically for our situation, so it wouldn't make too much sense to take the 401k option. Although it does sting a bit knowing that we're essentially turning down additional long term income from the company.