u/Material_Work_7612

I am trying to understand if my long term disability (LTD) insurance cost are reasonable.

I am paying $1700 annually to get 50% coverage of my annual pay (120K). The benefits are tax free. 40M. Desk job.

I received an estimate today for my 12-year-old’s orthodontic treatment. The plan is for metal braces over 24 months, with monthly check-ups and a clear retainer provided after treatment. The total quote came to $6,800.

Does this sound reasonable for metal braces? I don’t have insurance coverage for orthodontics, so I’d be paying out of pocket.