Stephen, it might be too late to help you, but hopefully I can help a few others who are reading this thread. Several years ago, my husband became permanently disabled from a very lucrative career, so I do know a bit about this subject. Here's a little tip for all of you:
Private Disability Insurance........buy it today!
Since my husband's disability, I have been shocked by the number of people who seem to assume that disability automatically means "public assistance." It doesn't. Private disability insurance should be included in every responsible wage earner's budget......and I thank God it was included in my husband's. Trust me, it can make all the difference in the world if you are ever faced with the misfortune of becoming disabled.
Excellent point. Poor planning doesn't entitle anyone to suckle at the government teat.
I have the insurance, I have paid for it myself in after tax dollars for many years. I hope I never use it, but I sure won't be putting a gun to anyones head to steal their property because I prioritized incorrectly.
I'm sorry he didn't plan, but not enough to deny my family whatever is left after I take care of the things that need takinbg care of to see that they are taken care of and I'm not the recipient of stolen property.