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I ran a search and did some reading up on the past discussions of long term disability (LTD) insurance. My employer provides some basic LTD coverage but recently offered the option to voluntarily increase the basic LTD benefits and based on my family's situation I think it makes sense to do so.
I read that MassMutual, Northwestern Mutual, and Guardian were three of the best companies to work with for LTD insurance.
My employer-sponsored plan is through Unum Life Insurance Company of America / Provident Life and Accident Insurance Company / The Paul Revere Life Inusrance Company (not sure why it's all 3 of them, but whatever, they probably cover different bits and pieces of it for all I know).
Any thoughts on whether these companies are OK to deal with? I'd prefer to just go through this employer plan both for convenience and because there is a "guaranteed issue" amount that covers the extra amount of LTD insurance I'm looking to pick up, so there is no physical or anything like that. But if these companies suck I guess it's worth avoiding them and looking to do it on my own.
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