Please do! I won't have to respond to all you backseat airline CEO's.

Thank you for helping to make my APC life better. Tool is now ignored.

Same here. Thank you!

but then how will you get your APC entertainment ?

If you have to "medical travel", i really don't think LTD will be of much use.
Maybe up your term Life.
remember, being over 50 doesn't mean you HAVE to have a "dad bod".
take care of yourself. Can't throw in the towel just yet.

Guess it all comes down to how much you think you’ll need and what you’re willing to pay to get that. LOL was my line in the sand and since we got everything we wanted, I don’t see the need to stick my hand back in the cookie jar for more. I wanted to be out of the subsidizing my disability insurance, not paying more every month for it. My take home is 65% gross…VA and sick bank top off can get me close enough to that…NEC as cash is a bonus if I don’t want to invest it elsewhere.

This was my original thought pattern, but then I tried to consider a shorter term claim, say a year. Instead of adjusting my lifestyle or finding another career, I think I would rather "ride it out" and try to maintain as close to current book as possible. B is just too expensive for me. I don't need it and it doesn't pass the cost/benefit smell test at this point in my life.

I’m of the same mindset, too. I’m gonna stick with STD only.

Have had them blocked for over a month now, it’s been glorious except for when people quote them, although it does offer a reminder of why I blocked them in the first place.

I went with the defaults, STD and A plan. I am newer around here though and don’t have the huge sick banks or vacation. If I was a tenured player I would have most likely skipped the STD.