OK, I like to stir the pot sometimes. It is insurance, that your forced to buy in most cases or have provided for you of which most of the money goes into some else's pockets (abusers and insurance companies) and which you most likely don't need or even want and may very well not do you any good even if you are hurt. I detest being forced to buy or pay for something I don't need or want. Kind of like auto insurance. If you want to pay for it fine. I'd work somewhere else.
This is CABL.com posting #163322. Tiny Link: cabl.co/mQEo