How safe from poverty are Auto Insurance Policyholders?  Will Employer Short-Term and Long-Term Disability provide financial protection?  What about all the premiums you've paid into Social Security Disability?  If becoming disabled after a car accident, you may end up like most injured, living in poverty. Today let talk about how much of a safety net you've got with Insurance Companies or Employers who are self-insured, meaning they control and own your ERISA Insurance Policies.