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Here's some links:

http://en.wikipedia.org/wiki/Income_protection_insurance https://www.pps.co.za/pages/faq/INCAPACITY.php

A government one, even though you pay for it: http://www.sars.gov.za/TaxTypes/UIF/Pages/default.aspx

Apparently, the US has it as well, though I'm not sure how equivalent to the above it is: http://www.dol.gov/dol/topic/unemployment-insurance/

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Thanks for the links! I'm in the US and, as far as I know, we don't have anything like the policy discussed in your wikipedia link. Unemployment insurance is a good thing (and I'm curious why it didn't show up at all in the original article) but it doesn't help much with the health insurance issue.

Yes there is-- incomeassure.com

I helped create it.

Great! Thanks for the link. Looks like a very nice service, and I'm glad to know it exists. I was pleasantly surprised how affordable it seems to be.

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