[Nurfzerne]

I wasn't trying to be in-your-face with that;

I was trying to figure out why you would think an insurance policy that you can ONLY get through your employer should be considered a "private policy."

We have private policies ~ on our vehicles; on our belongings; on our home; on our lives.

I say that the Short / Long Term insurance isn't private because we have NO CHOICE regarding carriers,
and in fact,
if our employers don't offer it,

there isn't a way to get it on our own.