
Originally Posted by
Emily
I looked into it. It's really not worth it.
You don't really prove what you make, you buy on the amount you wish to receive if you should have an accident.
I think I asked for $40,000/year policy and it was going to be about $500/month which is about the same as someone who builds high rise buildings pays. It's BS, imo. It assumes that we are really high risk, and doesn't take in account that we're not doing 40 hours a week. I think the biggest risk is driving to and from work. I just got better car insurance coverage.
Also, I have an account for a rainy day. it has $20,000 in it, which I've determined is enough for 6-8 months of living expenses. If I truly become disabled and can't dance, then I'll just find another job. Just because I can't dance, it doesn't mean I'm an invalid. But this is also where having other marketable skills comes into play.
Basically, be prepared for the worst so you don't need this ripoff insurance.
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