Month: July 2024

Long-Term Disability Insurance Is a Necessity… and a Scam

Lauren Torres ("Kitty") 6 Comments

As promised, for our ongoing series for Disability Pride Month, I’m explaining long-term disability insurance. Some employers offer this perk to their employees at low or no cost, so you may already have it. For others, long-term disability insurance probably feels like one more thing you “should” have, but don’t have the time, energy, or budget to get. Regardless, you’re going to learn so much today.

I wish I could say you were in for a treat! But you’re not.

You’re in for some kind of savory Jell-O salad.

I thought last week’s explainer on short-term disability insurance sent me to hell. Oh no! From today’s vantage point of the seventh bolgia of Malebolge (within the eighth circle of hell, where fraudulent thieves are ravaged for eternity by vengeful reptiles), I can confidently look back and say, “Aw, that wasn’t so bad!” Get ready to join me!

Learning about long-term disability insurance policies IS hell.
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Short-Term Disability Insurance is a Waste of Money... With Two Very Specific Exceptions

Short-Term Disability Insurance Is a Waste of Money… With Two Very Specific Exceptions

Lauren Torres ("Kitty") 7 Comments

In honor of Disability Pride Month, we’re coming to you with our hot and sweaty take on short-term disability insurance. We’re going to explain what it is, how it works, and why you probably don’t need it… unless, of course, you’re in two very specific situations. Ooooh, look at me go, building that mystery!

No disability-related topic can ever be simple. But we’ll do our best to make the pros and cons of short-term disability insurance super clear! And since we’re generally not enthusiastic about it, we’ll explain some of your (many) other, better options.

Fun fact: the insurance industry abbreviates short-term disability insurance as “STD.” Unlike my biblical ancestress, I swear to resist the temptation of a low-hanging fruit.

Abbreviating "short-term disability insurance" as "STD" is like a carrot with a giant box held up with a stick and a string for me, specifically.
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Why There’s So Little (Good) Personal Finance for Disabled People

Lauren Torres ("Kitty") 15 Comments

Jess and I are both itching to write more about personal finance for disabled people.

We’re also both itching because we have autoimmune disorders.

Guys, we’re here! We’re queer! We have two X chromosomes with faulty molecular coatings!

Okay, but seriously… we’ve both been sitting on some big ol’ honkin’ article ideas about how disabilities can impact money, jobs, and life in general. Frankly, our readers have begged us for this content. The subject of disability finance has intimidated us like no other. But with the gentle urging of our awesome Patreon donors, we’re going to dive in and do our best.

July is Disability Pride Month, commemorating the anniversary of the passage of the Americans With Disabilities Act on July 26, 1990. We’re celebrating with the release of a whole month of articles on this theme.

Did we plan this in advance? Certainly not! What do we look like—professional bloggers with a content schedule?! We had a random one-in-twelve chance to get this right, and by god, we did it. May our luck hold as we try to tackle the complexities of this subject.

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