Well, I could get 'short term' as well (long term doesn't kick in til after first 6 months), but, experts are saying don't waste your mulah on short term, your savings should take care of that. Anyway, $140.00 a month to have your insurance monthly paid (company pays insurance IF I'm working, otherwise it's $1200.00 a month), plus, nice extra income coming in for 5 years seems like a smart thing to sign up for. Gets taken out of paycheck pre taxes which is also nice.
Ok, just pulled the trigger. I'm on board.