[PopeDotNinja]

I had a six figure income in San Francisco & insurance, and still ended up medically bankrupt. Bike accident, head trauma, unable to work, work tied to job... employer sponsored healthcare sucks if your ability to work is compromised.

[pkaye]

Your employer didn't provide short/long term disability insurance?

[jjav]

Disability insurance provides a percentage of your salary while disabled. It does not provide medical insurance and often you'll get dropped by the company insurance because you're not working.

[soul_grafitti]

Do you live and work in America?

[pkaye]

Yes I do. If you have a six figure salary (or even a bit less), an employer will certainly buy a short/long term disability plan for their employees. Its a perk even small startups can afford.

Also California is unique among the states in that it runs a mandatory short term disability plan through payroll deductions but employers are able to buy enhanced plans which cover higher income thresholds.

[PopeDotNinja]

Even if they did, I was massively depressed with two broken arms and a head injury. I wasn’t thinking clearly about my options. Trying to navigate the healthcare system when you can't wipe your own ass is not a fun situation to be in.