Originally Posted by
ZapBrannigan
I may be changing my vote.
Wife brought up a good point. If out for longer than six months we may need the additional money for medical treatments, travel, help around the house or in home medical care. Things I didn't think about at first.
Now leaning towards no STD, but LTD-B.
There's the math for making your money back, but people usually leave out the part where you may actually need more money
during that time than you need it while paying premiums. For me anything that can increase my income while I can't work is worth considering, I may not opt all the way for LTD-B but I will keep at least LTD-A.