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Started By
Message
Long Term Disability insurance
Posted on 1/6/14 at 10:49 pm
Posted on 1/6/14 at 10:49 pm
Wife doesn't have it offered through her employer and I got a quote for $1500/mo coverage at $40/mo premium.
Is this good? Bad?
Is this good? Bad?
3
Posted on 1/6/14 at 10:55 pm to Golfer
Depends on age and health, look at the APTA plans
Posted on 1/6/14 at 11:01 pm to Tigerpaw123
Good idea. Didn't even think about that.
Posted on 1/6/14 at 11:04 pm to Golfer
Check out the term life with APTA as well, I have some of both, this year they refunded 25% of premiums on both because of lack of claims???healthy group
Posted on 1/6/14 at 11:07 pm to Tigerpaw123
Yea I will...forgot she's a member.
Posted on 1/7/14 at 2:49 am to Golfer
Depends on what she does as well, so hard to say if the price is good. It isn't terrible though. Who is it through? There is a lot more to disability policies than the coverage amount and price. Contracts differ quite a lot from company to company and definition to definition.
Also, check with the company on weather multiple people are insured with disability at her office. If so, some companies will offer a multilife discount.
Also, check with the company on weather multiple people are insured with disability at her office. If so, some companies will offer a multilife discount.
This post was edited on 1/7/14 at 2:52 am
Posted on 1/7/14 at 9:04 pm to Golfer
Depends on the variables involved (age/income/job type/etc). I paid $245 (annual premium) in 2013 for $4,200 per month in coverage. Paid $230 in 2012 for $4,000 per month in coverage. However, I'm realtively young, have a desk job, and the policy is through a professional organization (AICPA). Annual refund of premium last year was approximately $60.
Posted on 1/7/14 at 11:21 pm to Taxing Tiger
Thanks. She's healthy and a safe environment-type job. I've got her professional org sending paperwork to us to review.
Posted on 1/8/14 at 12:00 am to Taxing Tiger
Yea, those aicpa policies are cheap as dirt 
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