I am active duty military. Should I aquire additional disability insurance?

Question

I am married, my wife is a homemaker. I have 2 kids. I know that I will still get paid if I am hurt in the line of duty, but what if my wife gets hurt?

Answer 1

No, in both cases.

For you, should you become disabled, in the line oif duty, your pay and benefits would continue.

Youer wife would be iuable to obtain disability insurance.

She has no income, and as a consequence has nothing to insure.

Answer 2

You both need insurance.

You because you are the primary breadwinner.

Your wife because hiring someone to do day care, housecleaning, etc is very expensive.

Answer 3

Insurance for your wife should be easy. Insurance for you may not be. There would be a lot of exclusions for anything that may occur on duty, or in any way caused by the military. The HR type dept (I just can't remember what they called it when I was in) may have access to policies like they do for life insurance. Ask them what is available.

Disability ins is never a bad thing to have, and you would need money to help care for your kids and your wife if something happened to her, but check prices. It's always a risk vs reward game.