I am stirring duty military. Should I aquire optional disability insurance?
I am married, my wife is a homemaker. I have 2 kids. I know that I will still go and get paid if I am hurt within the line of duty, but what if my wife get hurt?
You both need insurance.
You because you are the primary breadwinner.
Your wife because hiring someone to do afternoon care, housecleaning, etc is severely expensive.
No, contained by both cases.
For you, should you become disabled, in the stripe oif duty, your pay and benefits would verbs.
Youer wife would be iuable to obtain disability insurance.
She have no income, and as a consequence has nought to insure.
Answers: Insurance for your wife should be easy. Insurance for you may not be. There would be plentifully of exclusions for anything that may occur on duty, or surrounded by any way cause by the military. The HR type dept (I just can't remember what they call it when I was in) may hold access to policies like they do for time insurance. Ask them what is available.
Disability ins is never a bad entity to have, and you would obligation money to help vigilance for your kids and your wife if something happened to her, but check prices. It's other a risk vs reward game.