u/50ShadesOfVader

Hi PFC! I wanted to know from a broader perspective, I’m working FT for a company and paying a long term disability insurance premium, does it make sense to buy an individual policy?

I was talking to a financial advisor in my friend circle who told me that it’s better to opt out of the long term disability that I’m paying as part of my paycheck and sign up for an individual one. Their logic was that I won’t be working for the same company forever so what happens when I move.