Dear Daisy,
I was granted long term disability from the private insurer that came with the benefits package at work. Boy, am I happy that I chose the highest level of that particular insurance - one is allowed to delegate $50 to whatever insurances they want the best, and a friend told me to put it towards disability, because it was most likely the one that I could need in the future - he had MS and surely needed his - wow, how prescient that was!
Happy holidays!
Lily