Reply to I'm in a submissive, traditional marriage. AMA

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[quote=Anonymous][quote=Anonymous]Every professional job I've had had an option to pay a premium for disability insurance and extra life insurance. It's unfortunate he died young with a lingering illness. 
If OPs DH us in IT, it is unlikely he doesn't have similar premium coverage options that can protect his family against this.  Plus this doesn't have anything to do with OPs lifestyle. Women who are the primary bread winner have the same options to make sure they're adequately covered especially if they are the sole provider for a SAHD and kids.[/quote]

LTD through an employer is AT BEST 5years, normally 2 paid out at 60%. FMLA buys you 12 weeks under your employers plan at the group rate. If you can no longer work COBRA can kick in which you can exercise for 18 months. Do you realize how expensive that is? With a chronic illness you burn through cash like a fire in the valley.

LTD from an employer and then cobra for a cancer patient is not a great plan for a one income home. Have you ever seen this scenario play out for a real life middle class family? It's ugly. A better scenario is that ill spouse getthig his LTD and have the working spouses secondary health policy through her employer kick in.

In our home we have 2 employer sponsored health plans and LTD plans, one high pay 20 year term that would get our kids through until they are 25 and one private whole life.

Yea, ideally if one of us were to die, it would be best if it we were hit by a bus while employed. Long term illness are financially devastating.  [/quote]

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