I recently signed up for short and long term disability for my job. I have a lot of mixed feelings about my decision to do so. I have about 8 weeks of sick time which would theoretically cover any short term illness but I decided to sign up for short term disability anyway. My line of thinking was that the extra income from the insurance would be helpful if I truly was injured and couldn’t work for a couple of weeks. I also decided to sign up for long term disability-it just feels like the responsible thing to do. You never know about life and it only takes a split second for your life to be turned upside down.
Even though I am at peace with my decision there is a small part of me if my monthly fees are just a waste of money. We have all seen those news specials in which insurance companies used any excuse not to pay out benefits if someone has a pre-existing condition. I am afraid that they will use my RA as an excuse not to pay. If my primary care physician can somehow find a way to make everything about my health a side effect or related to my RA I am certain a determined insurance company will do the same. I am not sure how much “insurance” I will have against short and long term illnesses. So I am gambling on the fact that the insurance company will do what it is supposed to do and pay for any medical disabilities other than RA. I am also afraid that they will tie anything claim I make to the fact that I have RA in order not to pay benefits.