#52909 09-28-2004 01:58 PM | Joined: Sep 2003 Posts: 153 Gold Member (100+ posts) | OP  Gold Member (100+ posts)
Joined: Sep 2003 Posts: 153 | to a large extent i consider life insurance as a bet against my survival, so i have traditionally not carried much. its just my wife and myself and our needs are not overwhelming.
however i just had an opportunity to buy life insurnace without any medical examine and with no regard for my general health... it was the first open enrollment season in 5 yrs for government employees.
after reveiwing the cost to payout for a 10 yr period, i concluded that it was now time to bet against myself... hopefully kahty won't collect.
the reason that i mention this is that i really hardly ever pay much attention to insurance. indeed i had to make a real effort to read what this open season was offering. if you happen to have a simillar bent, i encourage you to read what's being offered and re-evaluate your situation.
man i hate to bet against myself.
cu,
larryb.... not a looser! | | |
#52910 09-28-2004 05:49 PM | Joined: Jun 2004 Posts: 155 Senior Member (100+ posts) | | Senior Member (100+ posts)
Joined: Jun 2004 Posts: 155 | Larry-B
Many very healthy, wealthy, and wise people take that same gamble. Oh! did I say WISE! U R so not a loser... Denise
Caregiver Husband Bob SCC tongue t2nomo Partial Glosectomy/neck disection 6/04 rad ending 9/23/04
Osteoradio-necrosis of the Mandible (ONJ) DX 6/09 Surgery 7/2/09 mandible resection/ several teeth extracted/ neck dissection NO FLAP and aggressive antibiotic therapy.
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#52911 09-29-2004 10:48 AM | Joined: May 2003 Posts: 928 "Above & Beyond" Member (500+ posts) | | "Above & Beyond" Member (500+ posts)
Joined: May 2003 Posts: 928 | Hi Larry
I would call you one smart cookie ...better safe than sorry.
Loser ??? No way Jose!
Take care
Marica
Caregiver to husband Pete, Dx 4/03 SCC Base of Tongue Stage IV. Chemo /Rad no surgery. Treatment finished 8/03. Doing great!
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#52912 09-29-2004 12:59 PM | Joined: Apr 2003 Posts: 148 Gold Member (100+ posts) | | Gold Member (100+ posts)
Joined: Apr 2003 Posts: 148 | Wise decision, Larry.
I had to make a similar choice last year. Our company has eliminated extended sick leave, we can use what we have accumulated and have an option to purchase short term disability. I had 248 hours left of extended sick leave after my treatment last year. In order for short term disability to kick in for my cancer, it had to be in effect a year. So, this year I am paying for short term disability while I still have 248 hours to burn if I have a recurrance. So far so good, but can't risk NOT being covered.
People can tell me all they want to that I am done and not to worry, but I refuse to be in a "wish I had" situation.
Lisa in Ks <---- still remarkably unremarkable but cautious.
Lisa
SCC of Tongue Stage 1 (T1,N0,M0)
partial glossectomy,modified neck dissection 4/14/03
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#52913 09-29-2004 01:08 PM | Joined: Mar 2002 Posts: 45 Contributing Member (25+ posts) | | Contributing Member (25+ posts)
Joined: Mar 2002 Posts: 45 | Larry,
I'm also with the government and was thrilled to see this chance to increase my coverage with no exam or questions asked. Three and a half years ago, while we were in the midst of dealing with surgery and doctors appointments, we missed a payment on my other life insurance policy. They would not reinstate my insurance without me re- applying. Naturally, they turned me down.
I buckle-up every time I get in my car but don't intend on getting in an accident. Same goes for the insurance, I have it but don't intend on using it!
Stage I diagnosed 9/18/2000
Dave
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#52914 09-29-2004 01:51 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 | Larry,
Can you adopt me and let me sign up for the life insurance, too? Just a thought. I would do it in a second.
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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