Originally Posted by redcolt
Yikes! Tough choice. It sounds great as far as investments go, but it sucks if you get hurt. Having worked for the state and not paying into SS for 8 years is what kept me from qualifying for disability after my head injury. When I worked full-time I paid into long-term disability insurance, but that ended when I quit working. In short, I was screwed when I was injured. Just something to keep in mind!
Is it because you were no longer paying into it, or because you hadn't been in it long enough? I've got 27 years into SS.