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[quote=Anonymous][quote=Anonymous]Equally important if you do not have, is disability insurance for BOTH of you.  This is very inexpensive, but if you get injured and cannot work, I promise that whatever your work covers you for is not enough.
  Get a private policy - a real one, not talking about AFLAC. [/quote]

We did this exactly!

Question about disability insurance though - I am a SAHM (kids are little) - could I get disability insurance for myself and then it would pay for a nanny if I was injured/sick?[/quote]

I don't think so, because disability insurance is meant to replace income from a paid job if you can no longer work at that job.  Someone can correct me if I am wrong...

For all the women who work and plan to  become a SAHM, get that disability insurance from work BEFORE you get pregnant!  It really is inexpensive when you are young and healthy.  Believe mine is $275 per year, with a benefit of $4k per month.  Haven't worked where I got that policy from in over 17 years, but kept the policy.[/quote]

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