Originally Posted by
Tom a Hawk
Sure, but it would take you two years to save that much up, wouldn't be able to use it for vacations or sell back and you'd be burning it at straight time if you had a short term disability. Much better to pay for the low plan I think. Then if you break your arm you get to take the season off and come back with the rest of your benefits intact.
Amen to that. His point is like saying, 'no sense in having home insurance just save all your money for a few years and just rebuild the house if it burns down.