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Reply to "Lender sold loan to Chase. Keeps sending me letters about buying insurance ..."
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[quote=Anonymous]Long-term disability insurance can make sense if your employer doesn't provide it and your income is important to maintaining your family's standard of living. Often it has a lower standard than Social Security disability benefits (SSDI requires you have limitations in doing any job, while private insurance will only require you to be unable to do your current job). Depending on the policy you get, you can also get money on top of Social Security disability, since SSDI doesn't pay as much as you're earning. But many people get it through their jobs, and you don't need to buy from a company that's spamming you.[/quote]
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