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Marjorie, I don't blame you a bit for being bitter about what happened to your Son in Law. Anyone who is not independently wealthy, or insured to the hilt, or both, is ripe for being abused by employers. To be fair, I am sure there are still some companies that provide sufficient coverage for disability, and do everything they can to help their employees, but for most of us, that would just be a dream. The best advice for us working folks is just what you said, get all the insurance you can, watch your back, your front and your sides at all times! I see an opportunity for a smart insurance company to lobby for automatic coverage for all workers by all employers, for disability and catastrophic illness. Many companies now want to hire independent contractors and part time employees to avoid giving any benefits or security. It's hard enough to survive the workplace when you are strong and healthy, but that is the time to plan for the worst case scenarios! Ken B.