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Whizbang, I don't have an employer, I was a "hired gun", so I don't have LTD, I have to buy my own health insurance. Once obamacare kicks in Ill be in a better position from that end(so I'm told). You might be able to get disability in addition to the companies LTD as they're separate, and you'd qualify for medicare in 2 years which is something to think about. I don't think having an ltd disqualifies you from disability insurance and it lasts longer than 2 years if need be.
Honey, I survive by living off my savings. No free lunches here...
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