The twist is that Everyone needs - or at least should have - it, but it's so expensive on an individual basis that most individuals forego it. The first few org

The twist is that Everyone needs - or at least should have - it, but it's so expensive on an individual basis that most individuals forego it. The first few organizations I worked for did not provide it. I priced it and decided against it because it was so expensive and I was young and invincible. I would have been up a creek if I'd become disabled. Would that have been my employer's fault or responsibility? Nope. . .but it's an excellent benefit.