Great minds must think a like, because my wife asked me the same exact question when she read the post.

If it does not then we know the argument for life insurance on the child…but even if we assume it does cover the emotional trauma, I still think the post is valid for a couple reasons:
1) Most people don’t have individually owned DI, they have employer based DI which means they lose their job and their child they are SCREWED.

2) Depending on the state DI will only ocver 66% of the income, which is normally great but we discussed a need for 100% replacement

3) Combining both of the points – every policy is different, some have a month window of you being on your own, some have 90 days of you without income draining your savings (if you have any).

Just some thoughts.

I never considered this. I’ve always laughed at the thought of buying life insurance for a child. Now it kinda makes sense.

I wonder– would the inability to work after the loss of a child due to emotional trauma be covered under a disability policy?