[Jena]

i don't have it, but think i ought to. i've never really checked into the costs, but i'm under the impression that it is/can be expensive.

my relatively minor accident is going to end up costing quite a bit before it's all said and done. i have good health insurance, but it's the value of the work i cannot do that is going to get me.

at this time, i can't dress myself (bras and pants buttons are a big problem!), but those things should come along pretty quickly. i am anticipating that it will be a couple months before i can really do most of the work i normally do. my husband has been filling in, but he can't keep up that pace for too long. i'm going to start looking for a kid to work for me ths summer.

if this had happened during silage cutting time, or harvest the amount of wages i would need to comeup with would be a lot more. i can pay a kid minimum wage, but tractor drivers are at least $10 an hour.

i know disability insurance usually pays you part of your salary, but what if you don't have a salary? how do they determine what your benefit would be when you farm?

what do you all think about disability insurance?

jena

 

[Jena]

mt state has no disability insurance of any kind. back in ca. they did and i never minded paying into it. it kicked in after one week and paid 65% of your wages, regardless of how/why you were disabled.

it's not so much my income i need to replace as to cover extra employment costs.

i'm going to call my agent tuesday.

they should make a life policy that converts to disability for long term disabilities.

jena