I know I have a good policy with my work that in case I go first the family is protected but I also know a great many out there are not as lucky. How can employers get by with providing crappy insurance for both health and death for their workers?
I'm just guessing, but it's probably because they aren't required to provide insurance and if they are, they pick the cheapest they can get. It could also be that even the "best" insurance companies don't really provide the coverage they should.
