RE: Medical Disabilty/Contracting/Jobs

Subject: RE: Medical Disabilty/Contracting/Jobs
From: "Combs, Richard" <richard -dot- combs -at- Polycom -dot- com>
To: "TECHWR-L" <techwr-l -at- lists -dot- techwr-l -dot- com>
Date: Fri, 8 Jun 2007 12:29:02 -0600

Pro TechWriter wrote:

> To the anonymous poster, thank you. I understand your
> distress. Is getting long term disability from Social
> Security a possibility? <snip>

My sympathies, too, to the anonymous poster, and thanks to Jodie. I
suggest everyone view this as a cautionary tale -- as Pro said, you
never know when similar circumstances will strike you.

When my then-associates and I started our own business over 17 years
ago, we purchased individual disability insurance policies -- high-end
ones from New York Life, with strong "own-occupation" coverage,
inflation protection, generous rehab benefits, etc.

Even though I've been a corporate wage slave for almost 8 years now, and
am covered by my employer's group disability insurance, I still maintain
that NY Life policy. It's far more generous and less restrictive than
group policies. The peace of mind is worth the monthly premium to me.

Whether you're a wage slave or independent, you owe it to yourself (not
to mention your loved ones) to prepare for a future disability -- it's
much more likely than premature death. Relying on Social Security
disability simply isn't adequate preparation. It can take 2 years and
the help of an attorney, and it's pretty limited, too.

At a minimum, make sure you're covered by a decent group disability
policy at work. If you can afford it, consider getting a good individual
policy while you're still in good health.


Richard G. Combs
Senior Technical Writer
Polycom, Inc.
richardDOTcombs AT polycomDOTcom
rgcombs AT gmailDOTcom


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Re: Medical Disabilty/Contracting/Jobs: From: Pro TechWriter

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