Okay- so I don't need disability now. But with my recent diagnosis of a possible Lupus/Diffuse Systemic Sclerosis.. It's got me thinking.

The company I work for offers amazing insurance. My medical is completely free, no deductions from my puny little checks. I have 401K that they match 50%. They also offer dental and vison, but I haven't bothered with those yet.

They also offer short and long term disability. I can't seem to understand the guidelines of it or even the principles of it.. If it's group insurance from a company, do you have to qualify? Eeek. I'm only 20 and barely understanding the whole 401K thing lol.