It is good to try to be prepared. My husband became disabled 14 years ago and with his long term disability we managed to live comfortably and we almost had our mtg paid off then earlier this year the ins company holding the disability pymnts decided that even against doctors advice he was OK and could go back to work so they cut us off and we have lost 2/3 of our income. We are forced to hire an attny for the appeal and are living on the equity in our home which we had hoped to have for retirement. The ironic thing is that they made this decision without even seeing him...just like the proposed bureacratic panels in the health care bill that will make decisions. But Praise the Lord we had our house to fall back on...what about all those out there with no recourse?
clove I hear you. Our Christmas is going to be, “a Christmas far more beautiful than fine.” as Mr McGoo once said.