I now have $30,000 of accidental death and dismemberment coverage through my fabulous new job. My fabulous new desk job. Where I sit at a desk most of the day, interspersed with trips to the file cabinets, mail and copy rooms, and restroom. Can somebody please tell me why I need accidental death and dismemberment insurance for a job that, hopefully, won't put me in the way of anything that could accidentally dismember me?
Steph (my sister, as opposed to the others) pointed out that in the event of The Big One, my overhead cubicles could give way, and the crap inside of them could fall out. But most likely, I wouldn't be dismembered so much as knocked out and maybe buried under boxes of old stationery.
I suppose there could be a freak paper cutter accident. Or my fingers could get chopped off in a file drawer.
But if I were to accidentally die on the job, wouldn't that be covered under my life insurance? And what's considered an accidental death anyway? Would it have to be accidental on my part, or on the part of another party?
All these questions. Anybody have the answers?
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