Disability insurance when you are skydiving

[matereti 0]

Recently I've tried to get disability insurance and I couldn't get it.
They are not even considering of excluding skydiving related injuries they just will not give me disability insurance since I am involved with skydiving!
Did anybody had similar experience?
Thanks

[BIGUN 1,486]

You're really not shocked by this; are you?

Nobody has time to listen; because they're desperately chasing the need of being heard.

[kai2k1 0]

The best disability insurance for skydiving you can get is your own savings account.

There's no truer sense of flying than sky diving," Scott Cowan

[matereti 0]

Well, as I said I wasn't looking for disability for skydiving.
I asked them to exclude skydiving injuries they still say no. I knew they will never cover skydiving part, but I was shocked they refuse me in general for other types of injuries etc.

[Rdy2skydive 0]

Aflac offered me short-term disability and Mass Mutual offered a long-term disability policy but both excluded skydiving. I went with Aflac through work but the rep told me they will do individual policies. Good luck.

[DrewEckhardt 0]

Quote

The best disability insurance for skydiving you can get is your own savings account.

For your savings to return 80% of your current pay indefinately (long term disability) you'll need 20X your annual salary. That's not realistic for those of us who aren't old enough to have been paying into our retirement accounts for a few decades or fortunate enough to have bought into a hot housing market long before things got out of hand.

The best plan is to have an employer who provides long-term disability insurance as a benefit with you paying taxes on the premiums - I pay $12/month to get 60% of my salary tax free if I'm disabled. That's better than what I take home now after I contribute to my 401k and the governments get their share.

The next best would be to have an employer that passes on the group plan cost to you - like $40/month which you pay for with post-tax dollars.