Is Voluntary Long Term Disability Insurance Worth It? 
Voluntary Long Term Disability Insurance can be a great thing depending upon your situation . If you were unable to work , starting today , for the next two years , what effect would that have on your life ? Would you be able to come up with enough funds to pay your current bills ? What about medical bills for the condition keeping you out of work ? Next consider the effect compared to the price of the insurance that is being offered to you . If you ca n't afford the premiums or feel the benefit you may receive from them does n't outweigh the money spent towards it , then , no , it 's not worth it . Otherwise , yes , you should consider picking up the insurance . A licensed agent can help you determine the value in your specific case . 