I took RJs advice and went for the whole enchilada. Wasn't what I originally thought I would do, but if I'm out for an extended period of time we might have extraordinary expenses like medical travel or in home health care.

STD and LTD-B. Then, if something god forbid happens, I can decide if it's worth trying to get my medical back or if it's just time to hang up my hat and blazer and ride off into the sunset. 😁