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I think, if you are very wise, and I believe that you are, you will buy all the disability insurance you can afford. I wouldn't just buy it from your employer either, but supplement it with a private company. In 1988 my late SIL developed Lymphoma, he would live and fight courageously for 3.5 years before he died of it. The company he worked for layed him off the minute his company controlled disability insurance ran out. He had worked for this company for 19.5 years. He wasn't eligible to receive any of his pension until he was 65 years old. He died at age 42. The last year of his life, we hired an attorney, a young lady he had gone to high school with, but they had lost touch, and she got him his SS and his pension. After fighting for it for 2 years, she managed to get it all done in a matter of 4 months. Once you develop a potentially fatal disease, the doors to the insurance companies are closed to you. Also, that company, who was so wonderful to you for so many years, will be the first in line to bury you while you still live. I wish I weren't still so bitter over this, but I am. At 06:34 PM 6/13/97 -0400, Ken Becker wrote: >Marjorie, I am responding to what you said to Jack. I have the type of job >that would likely not be "doable" if I had PD, I repair copying and >duplicating equipment. I have to drive, climb stairs and ramps, or whatever >obstacles people put in my way, I must be able to carry heavy tools and >parts, etc etc . my point is, if I were to get PD I know my company has no >local positions involving work I would be able to do, so just in case, I >continue to buy disability insurance. I am 54 and my father has had PD for >several years, and I know I could get it. I am not saying I would not try to >work around PD, or any condition, but I don't believe they would let me >continue, if they became aware. This is more because of their possible >liability while I drive a company car. I hope I don't have to find out what >would happen, but It can't hurt me to prepare for the possibility. What do >you think? Ken B. > >