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$4800 a year for disability insurance?! Do you (emotionally or pragmatically) need that level of coverage since you have no one depending on you? What would somewhat reduced level of coverage cost you, rather than $400 a month? Also--did you do enough work in your lifetime under Social Security to be eligible, if necessary, for any disability coverage from them, however minimal? If so, do you really need your current level of disability insurance rather than a lesser level? (Apologies if you have already answered these questions; I admit I'm slow catching up on posts on this board.)
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