#52762 04-05-2004 11:29 AM | Joined: Dec 2003 Posts: 116 Gold Member (100+ posts) |  Gold Member (100+ posts)
Joined: Dec 2003 Posts: 116 | kwl718--I'm not sure about insurance through the state, but I'll check it out! Thank you.
Ed, I looked over the policy, and I cannot find anywhere that says there is an exclusion for illness/cancer that is diagnosed during an initial set period. Hopefully that means we are OK. I've thought about calling our agent and just asking him, but I don't want to get into all that while my husband is still struggling with cancer. If it turns out that the policy will not pay because of the cancer diagnosis so closely following taking out the policy, I'd rather Scott not know about it. He has enough to worry about right now. I guess if I knew for sure now that the policy won't pay, my actions might cause him concern and I'd end up telling him.
Guess I'll put it all aside until the time comes; I'll know soon enough. I really hate thinking about this stuff, you know? I'd rather have him than any amount of money, of course, but knowing I'm going to lose him, I'd at least like for my daughters and me to be able to remain in the house Scott and I worked so hard to make our family home--that's why we took out that policy. Guess we should have asked some "what if" questions of the agent at the time. After all, life insurance is supposed to offer "peace of mind." Right.
C.
Wife of Scott: SCC, Stage I retromolar 10/02--33 rad; recurrence 10/03--Docetaxol, 5FU, Cisplatin; 1/04 radical right neck, hard palate, right tonsil; recurrence 2/04--mets to skin and neck; Xeloda and palliative care 3/04-4/04; died 5/01/04.
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#52763 04-05-2004 04:28 PM | Joined: Mar 2003 Posts: 1,384 Likes: 1 Patient Advocate (1000+ posts) | | Patient Advocate (1000+ posts)
Joined: Mar 2003 Posts: 1,384 Likes: 1 | Christine,
Two thoughts, first it may be "weighing" on him already and you might find out you are covered. Second, the fact that he is alive and able to make a statement about his lack of knowledge might be helpful if the insurance company wants to argue. See an attorney right away.
Mark, 21 Year survivor, SCC right tonsil, 3 nodes positive, one with extra-capsular spread. I never asked what stage (would have scared me anyway) Right side tonsillectomy, radical neck dissection right side, maximum radiation to both sides, no chemo, no PEG, age 40 when diagnosed.
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#52764 04-05-2004 05:40 PM | Joined: Dec 2003 Posts: 2,606 Likes: 2 Patient Advocate (old timer, 2000 posts) | | Patient Advocate (old timer, 2000 posts)
Joined: Dec 2003 Posts: 2,606 Likes: 2 | Christine,
Try the ABA in your area. I really think they would help you. You could also try Legal Aid in the yellow pages. I would be glad to make a call to your insurance company for you if you want. Anything I can do I will be glad to help you out. I am so sorry you have to deal with this right now on top of everything but you may want the answer as soon as possible to plan out your strategy. I found out in Texas, for example, they can start foreclosure proceedings after missing your second payment and it takes a few days to completely boot you out of your house. It is the fastest state there is. I just lost my job before I could get back to work and it is weighing heavily on my mind. I have been looking hard for a job the past week and am trying not to think about it.
Ed
SCC Stage IV, BOT, T2N2bM0
Cisplatin/5FU x 3, 40 days radiation
Diagnosis 07/21/03 tx completed 10/08/03
Post Radiation Lower Motor Neuron Syndrome 3/08.
Cervical Spinal Stenosis 01/11
Cervical Myelitis 09/12
Thoracic Paraplegia 10/12
Dysautonomia 11/12
Hospice care 09/12-01/13.
COPD 01/14
Intermittent CHF 6/15
Feeding tube NPO 03/16
VFI 12/2016
ORN 12/2017
Cardiac Event 06/2018
Bilateral VFI 01/2021
Thoracotomy Bilobectomy 01/2022
Bilateral VFI 05/2022
Total Laryngectomy 01/2023
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#52765 04-06-2004 02:16 AM | Joined: Dec 2003 Posts: 116 Gold Member (100+ posts) | | Gold Member (100+ posts)
Joined: Dec 2003 Posts: 116 | Ok, Mark and Ed, you've given me the guts to check on it. I'm getting in touch with our agent today; what to do from there depends on what they tell me!
Christine
Wife of Scott: SCC, Stage I retromolar 10/02--33 rad; recurrence 10/03--Docetaxol, 5FU, Cisplatin; 1/04 radical right neck, hard palate, right tonsil; recurrence 2/04--mets to skin and neck; Xeloda and palliative care 3/04-4/04; died 5/01/04.
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#52766 04-06-2004 05:32 AM | Joined: Dec 2003 Posts: 116 Gold Member (100+ posts) | | Gold Member (100+ posts)
Joined: Dec 2003 Posts: 116 | HUGE RELIEF. Our insurance agent was so helpful..immediately put our minds to rest. He said some companies are pickier than others, but that we are OK since Scott didn't have a diagnosis until after the policy was approved and since we both "passed" our blood tests and physicals that were required at the time. This agent was compassionate, offered help, advice, prayers, whatever we need him to do. I'd forgotten what a great guy he is since I only met him once when we had him come to our home to take out the policies. He said do not worry about this another minute.
Thanks Mark and Ed. I can't believe I was such a chicken.
Christine :p
Wife of Scott: SCC, Stage I retromolar 10/02--33 rad; recurrence 10/03--Docetaxol, 5FU, Cisplatin; 1/04 radical right neck, hard palate, right tonsil; recurrence 2/04--mets to skin and neck; Xeloda and palliative care 3/04-4/04; died 5/01/04.
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#52767 04-06-2004 07:40 AM | Joined: Dec 2003 Posts: 2,606 Likes: 2 Patient Advocate (old timer, 2000 posts) | | Patient Advocate (old timer, 2000 posts)
Joined: Dec 2003 Posts: 2,606 Likes: 2 | HOORAY! I am so happy to hear the great news. God is really so awesome! You rest easy now and give yourself a little TLC! I will certainly be praying for you and your family.
God Bless!
Ed
SCC Stage IV, BOT, T2N2bM0
Cisplatin/5FU x 3, 40 days radiation
Diagnosis 07/21/03 tx completed 10/08/03
Post Radiation Lower Motor Neuron Syndrome 3/08.
Cervical Spinal Stenosis 01/11
Cervical Myelitis 09/12
Thoracic Paraplegia 10/12
Dysautonomia 11/12
Hospice care 09/12-01/13.
COPD 01/14
Intermittent CHF 6/15
Feeding tube NPO 03/16
VFI 12/2016
ORN 12/2017
Cardiac Event 06/2018
Bilateral VFI 01/2021
Thoracotomy Bilobectomy 01/2022
Bilateral VFI 05/2022
Total Laryngectomy 01/2023
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#52768 04-06-2004 07:51 AM | Joined: Sep 2003 Posts: 1,244 Patient Advocate (1000+ posts) | | Patient Advocate (1000+ posts)
Joined: Sep 2003 Posts: 1,244 | Hi Christine
Good that you managed to deal so well with that.. that's one thing less to fret over
Love and Hugs
Helen
SCC Base of tongue, (TISN0M0) laser surgery, 10/01 and 05/03 no clear margins. Radial free flap graft to tonsil pillar, partial glossectomy, left neck dissection 08/04
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#52769 04-07-2004 05:02 PM | Joined: Mar 2003 Posts: 1,384 Likes: 1 Patient Advocate (1000+ posts) | | Patient Advocate (1000+ posts)
Joined: Mar 2003 Posts: 1,384 Likes: 1 |
Mark, 21 Year survivor, SCC right tonsil, 3 nodes positive, one with extra-capsular spread. I never asked what stage (would have scared me anyway) Right side tonsillectomy, radical neck dissection right side, maximum radiation to both sides, no chemo, no PEG, age 40 when diagnosed.
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#52770 04-08-2004 02:34 AM | Joined: Apr 2003 Posts: 148 Gold Member (100+ posts) | | Gold Member (100+ posts)
Joined: Apr 2003 Posts: 148 | Good Job Christine! At my house we call the process to doing something uncomfortable, difficult and dreaded (please don't be offended) Sucking it up and doing the "big girl" stuff. (I have two teenage daughters who also have to remind Mom to do it too, sometimes.) I commend your bravery to confront this issue, and am so very pleased that at least one of the issues facing you has had a positive outcome.
Sincerely,
Lisa
Lisa
SCC of Tongue Stage 1 (T1,N0,M0)
partial glossectomy,modified neck dissection 4/14/03
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#52771 05-23-2004 02:40 PM | Joined: Oct 2002 Posts: 29 Contributing Member (25+ posts) | | Contributing Member (25+ posts)
Joined: Oct 2002 Posts: 29 | Christine you sound like I do my husband is terminal and we are trying to insurance together for our family as well. Life insurance we took out before he was diagnosed has a two year clause before death almost there, what really agrevates me is in the manner that his employer treated him after 27years of service and they let him go for a made up reason at the time he was not this sick and still going to work everyday but we took out Cobra also and I had to go on mine at work it really cuts the paycheck its bad enough to know you have Cancer but then you have to fight for your job and respect too. Bobbie
bobbie jensen
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