{ "media_type": "text", "post_content": "Benefits assistance, please! \n\nContext: 25F, unmarried, no dependents & no parents\n\n1) Firm provides AD&D of $20k at no cost. Can purchase voluntary AD&D up to $500,000 for $3.50/pp.\n\n2) Group LTD 60% replacement of first $150,000 of earnings for $4.57/pp.\n\nInexpensive I know, but is this worth it for me? Or are these future considerations?", "post_id": "6143b24fcb97c4002cf71596", "reply_count": 5, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Benefits assistance, please! Context: 25F, unmarried, no dependents & no parents 1) Firm provides AD&D of $20k at no cost. Can purchase voluntary AD&D up to $500,000 for $3.50/pp. 2) Group LTD 60% replacement of first $150,000 of earnings for $4.57/pp. Inexpensive I know, but is this worth it for me? Or are these future considerations?

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I would not by extra AD&D with no dependents. Would probably want LT disability. I know we have a certain amount for no cost and can bump it up for some amount. I would want something. That is for your benefit not necessarily for dependents.

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Thank you for your response!

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I’d do LTD as that’s a thing that happens. When I was single if I died, wouldn’t financially hurt anyone 😊. Typically AD&D can be enrolled in later but LTD isn’t always that way

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Skip the AD&D and buy the LTD. If you’re making above the $150,000 income max, consider individual coverage to close the gap.

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I agree with everyone else on the LTD. If you can buy 70% LTD, I would do that too. Your odds of using LTD during your career are pretty high.

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