Long Term Disability insurance | TigerDroppings.com

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Golfer
LSU Fan
Coral Bay, St. John, USVI
Member since Nov 2005
57768 posts

Long Term Disability insurance



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?







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Tigerpaw123
USA Fan
Louisiana
Member since Mar 2007
9395 posts

re: Long Term Disability insurance


Depends on age and health, look at the APTA plans





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Golfer
LSU Fan
Coral Bay, St. John, USVI
Member since Nov 2005
57768 posts

re: Long Term Disability insurance


Good idea. Didn't even think about that.





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Tigerpaw123
USA Fan
Louisiana
Member since Mar 2007
9395 posts

re: Long Term Disability insurance


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





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Golfer
LSU Fan
Coral Bay, St. John, USVI
Member since Nov 2005
57768 posts

re: Long Term Disability insurance


Yea I will...forgot she's a member.





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GoCrazyAuburn
Auburn Fan
Staring up at Vulcan's ass
Member since Feb 2010
15632 posts

re: Long Term Disability insurance


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.



This post was edited on 1/7 at 2:52 am


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Taxing Tiger
LSU Fan
Prairieville
Member since Mar 2013
45 posts

re: Long Term Disability insurance


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.





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Golfer
LSU Fan
Coral Bay, St. John, USVI
Member since Nov 2005
57768 posts

re: Long Term Disability insurance


Thanks. She's healthy and a safe environment-type job. I've got her professional org sending paperwork to us to review.





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GoCrazyAuburn
Auburn Fan
Staring up at Vulcan's ass
Member since Feb 2010
15632 posts

re: Long Term Disability insurance


Yea, those aicpa policies are cheap as dirt





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