Originally Posted by PNWFlyer

are you serious? A 69 second Google search will show you dozens of short and long term personal disability insurance options. Mutual of Omaha, New York Life you name it. Don’t forget ALPA, they have lots to offer. They are out there. Yes it can be expensive, but what is the cost not to do it if you become disabled.

my friend is medically retired and making 100% of his previous income. He knew if serious outside his control happened this was the only way to know he and his family would be taken care of. He also had a whole life policy that converted to a disability policy if you because disabled. Whole life isn’t always a bad idea. Unfortunately, some see it as a waste of money. I know people that have zero life insurance because they think it is a scam. Well, what is your risk tolerance? What is your families risk tolerance.