Whether Voluntary Long Term Disability Insurance is worth it to you depends on whether you can survive at least 5 months without your salary, or would be willing to work at a job you can do vs a job you were trained for. Both of these must occur before being able to get Social Security Disability.
Voluntary Long Term Disability Insurance can pay approximately 60% of your salary while recovering from a long illness of slow healing injury until you can get your old type of job back. That is worth it, to most people.
Voluntary Long Term Disability Insurance can be a great thing depending upon your situation. If you were unable to work, starting today, for the next two years, what effect would that have on your life? Would you be able to come up with enough funds to pay your current bills? What about medical bills for the condition keeping you out of work?
Next consider the effect compared to the price of the insurance that is being offered to you. If you can't afford the premiums or feel the benefit you may receive from them doesn't outweigh the money spent towards it, then, no, it's not worth it.
Otherwise, yes, you should consider picking up the insurance. A licensed agent can help you determine the value in your specific case.
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Voluntary Long Term Disability Insurance can pay approximately 60% of your salary while recovering from a long illness of slow healing injury until you can get your old type of job back. That is worth it, to most people.
Next consider the effect compared to the price of the insurance that is being offered to you. If you can't afford the premiums or feel the benefit you may receive from them doesn't outweigh the money spent towards it, then, no, it's not worth it.
Otherwise, yes, you should consider picking up the insurance. A licensed agent can help you determine the value in your specific case.