RE: Medical Disabilty/Contracting/Jobs

["Combs, Richard" <richard -dot- combs -at- Polycom -dot- com>]

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


------
Richard G. Combs
Senior Technical Writer
Polycom, Inc.
richardDOTcombs AT polycomDOTcom
303-223-5111
------
rgcombs AT gmailDOTcom
303-777-0436
------




^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

Create HTML or Microsoft Word content and convert to Help file formats or 
printed documentation. Features include support for Windows Vista & 2007 
Microsoft Office, team authoring, plus more.
http://www.DocToHelp.com/TechwrlList

True single source, conditional content, PDF export, modular help.
Help & Manual is the most powerful authoring tool for technical
documentation. Boost your productivity! http://www.helpandmanual.com

---
You are currently subscribed to TECHWR-L as archive -at- web -dot- techwr-l -dot- com -dot- 

To unsubscribe send a blank email to 
techwr-l-unsubscribe -at- lists -dot- techwr-l -dot- com
or visit http://lists.techwr-l.com/mailman/options/techwr-l/archive%40web.techwr-l.com


To subscribe, send a blank email to techwr-l-join -at- lists -dot- techwr-l -dot- com

Send administrative questions to admin -at- techwr-l -dot- com -dot-  Visit
http://www.techwr-l.com/ for more resources and info.