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[quote=Anonymous]53, no short term disability, long term care and no umbrella policy. I have all of the rest. I don't see the point of short term disability - have tons of saved sick leave plus savings at this point. I am friends with people in the long term care insiders and they say LTC insurance doesn't pay out very much so it's not usually worth the money. I don't know why I don't have an umbrella policy. [/quote]
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