My employer currently offers this ELTD program, at $80 per month (post tax); It kicks in (catastrophic event) after you use up all PTO/extended medical leave, short term disability, etc., at 75% of salary for 6 month. Benefits are not available until 4 consecutive years of working (i just started my 3rd year).
I am a single women in mid 30s, and am planning on working no more than 10-15 additional years, and was wondering if this $1000 dollar a year bill is worth it or should I move it over to Vanguard?
Thanks kindly for your advises and opinion(s)!!!