From my first looks at yacht professions, I've had the concern as to what those in the profession had in the way of protection, starting with medical insurance and including disability and then retirement. I see independent captains who appear very exposed in that regard. I see those who have worked out of the country and have years without even social security salary accruing to their benefit. This came to mind as a captain in another thread mentioned breaking a foot and having to turn down a lucrative trip. We saw all this as we hired crew but we've provided our crew with a broad range of benefits. However, I'm interested in what others of you have or don't have, including especially those of you who are independent. I worry about injuries or about you no longer being able to perform your job, either short term or long term. We had a member here before who was in a motorcycle accident. I know of others who have had major illnesses. So, what do you have, not have? What worries you? How at risk are you?