I'm so glad I adjusted my disability a couple of years ago

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Teachers in NJ aren't eligible for state disability. We have to buy private plans like Aflac. After my 3rd year of teaching I figured I had pressed my luck far enough and enrolled in a plan for both short and long term coverage. I was making like $40,000 at the time. A couple of years ago I significantly increased the coverage to try to catch up to my then-salary which was more than double the original amount. I was shocked by how much the amount taken out of my check increased but it had to be done. I was approved for long-term a couple of days ago. The amount that I will receive is roughly what I would take home in a given month. Phew. I won't have to worry about getting the bills paid this month.