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Then, why not income-protection insurance? That would have solved all her unfortunate-circumstance problems, including the health insurance one. Especially so
by zo1 12y ago
Then, why not income-protection insurance? That would have solved all her unfortunate-circumstance problems, including the health insurance one.
Especially so for someone with some sort of seasonal income. They're the type of individuals who should know better than to not have a reasonable buffer (in case work doesn't come in that season).
- TylerE 12y agoLOL. You think such a social safety net is available in the land of FREEDOM(tm)?
- phillmv 12y agoYou say that as if it were that easy. I hadn't heard of income-protection insurance and after some googling it's no wonder: as far as I can it's a kind of disability insurance - it doesn't kick in if you're merely unemployed. At that point, you're at the mercy of your state's unemployment insurance - which you might not be eligible for if you've been working as a contractor or self employed. Not to mention that seasonal work makes it harder to plan, since you don't have reliable income to plan around. There just aren't that many "no-brainer" options for absorbing this many shocks, at a scale most individuals can cope with.
- phonon 12y agoSee https://news.ycombinator.com/item?id=8599991 https://news.ycombinator.com/item?id=8599991 Pure private unemployment insurance.