Re: Insurance, disability, Aflac

[Guest guest]

If you have an open enrollment period at your job, get any insurance

you can because individually you will never be able to buy insurance

again. Most disability policies are similar. They will cover a

certain percentage (normally around 60%) of your earnings. Again, get

any insurance you can while you can.

Even those policies on tv that say anyone can qualify, no tests, just

answer three simple questions, you now flunk one of those. Find out

if your life insurance at your company has a conversion privilege. If

not, you can get small " burial " policies through companies like

Peoples Benefit and Gerber.

I'm only 37...ok, I lied....58. But, I felt more like 37 before this

hit. As to losing your job, a lot depends on the type company you

work for. You did just enter a protected group of Americans with

Disabilities. Make sure you inform them of any reasonable

accomodations you need. Insurance companies generally consider you

able to work on oxygen in most jobs. However, if absenteeism and

performance slip as they could, then your job does become

jeopardized.

One thing I did when I first became disabled for other reasons was

plan all scenarios, including the worst case. At first the worst case

seemed dismal until i realized how many others were living it and

doing ok. It included government housing and lots of social services.

I still have alternate plans based on what may happen to my income

next August.

If this is all hitting you hard and scaring you, get a counselor who

can help you use your wise mind to work through it. It will be worth

it to have someone as your situation changes. I know it sounds odd to

be told this but " you're going to be ok. " I don't know how or what

the future holds but if you can grasp that and believe it at some

point then you'll be so much better off. Ok doesn't mean healthy or

live till 100 or able to do anything you want or wealthy. It means

live a meaningful life whatever the circumstances.

>

> I am not sure how old everyone is but it seems that every one is

older

> than I am accept for a few people. But being only 37 I cant afford

to

> lose my job and was wondering if anyone knew about the Aflac

insurance

> or actually had it? I was looking into getting a policy from there

and

> wasnt sure what that would entail but thought I would check it out,

> just trying to cover the basis.

>

> Sandie

>

[Guest guest]

your wisdom comes through again Although I have insurance

through my job and I am lucky I can work at home pretty any time I

need to which I have used a lot lately and most of the companies I

could work for I am entitled to work at home, not because of this but

because we are software engineers and we usually work on computers

and not people Meetings is the hard thing and its a good thing for

conference calls.

As far as getting insurance, believe it or not pre-existing

conditions are covered under most insurances as long as you dont have

a break in coverage, so I had RA when I went to this company 1 1/2

years ago and they covered it and now I am looking to go back to

where I came from and I have to wait and see what the insurance

policy is there because I have to have insurance. Also my husband

just relisted back in the military so he can add me on there too if

need be which we might do anyways.

I wanted to get an aflac policy because I thought that would help but

the guy hasnt re-turned my email after he first contacted me and I

asked about pre-existing conditions.

And theoretically I dont have anyhting yet no one has really

diagnosed me with anything so what I have is RA No I am not in

denial just beating them at their own game is all.

I have life insurance and long term and short term disabilty and even

accidential and dismemberment insurnace and most of the things I have

payments are have insurnace as well the only thing I dont have that

on is my house policy and my insurance policies would almost be

enough to take care of that, so at least my family would have a place

to live and not have to worry about anything.

Do you still work ? I dont plan on not working matter of fact I

am working on my Computer Forensics degree so I plan on moving up not

out!

I have to go to my next job so I will write later on...

Sandie

> >

> > I am not sure how old everyone is but it seems that every one is

> older

> > than I am accept for a few people. But being only 37 I cant

afford

> to

> > lose my job and was wondering if anyone knew about the Aflac

> insurance

> > or actually had it? I was looking into getting a policy from

there

> and

> > wasnt sure what that would entail but thought I would check it

out,

> > just trying to cover the basis.

> >

> > Sandie

> >

>

[Guest guest]

your wisdom comes through again Although I have insurance

through my job and I am lucky I can work at home pretty any time I

need to which I have used a lot lately and most of the companies I

could work for I am entitled to work at home, not because of this but

because we are software engineers and we usually work on computers

and not people Meetings is the hard thing and its a good thing for

conference calls.

As far as getting insurance, believe it or not pre-existing

conditions are covered under most insurances as long as you dont have

a break in coverage, so I had RA when I went to this company 1 1/2

years ago and they covered it and now I am looking to go back to

where I came from and I have to wait and see what the insurance

policy is there because I have to have insurance. Also my husband

just relisted back in the military so he can add me on there too if

need be which we might do anyways.

I wanted to get an aflac policy because I thought that would help but

the guy hasnt re-turned my email after he first contacted me and I

asked about pre-existing conditions.

And theoretically I dont have anyhting yet no one has really

diagnosed me with anything so what I have is RA No I am not in

denial just beating them at their own game is all.

I have life insurance and long term and short term disabilty and even

accidential and dismemberment insurnace and most of the things I have

payments are have insurnace as well the only thing I dont have that

on is my house policy and my insurance policies would almost be

enough to take care of that, so at least my family would have a place

to live and not have to worry about anything.

Do you still work ? I dont plan on not working matter of fact I

am working on my Computer Forensics degree so I plan on moving up not

out!

I have to go to my next job so I will write later on...

Sandie

> >

> > I am not sure how old everyone is but it seems that every one is

> older

> > than I am accept for a few people. But being only 37 I cant

afford

> to

> > lose my job and was wondering if anyone knew about the Aflac

> insurance

> > or actually had it? I was looking into getting a policy from

there

> and

> > wasnt sure what that would entail but thought I would check it

out,

> > just trying to cover the basis.

> >

> > Sandie

> >

>

[Guest guest]

No, I haven't worked for two years for other medical reasons.

Disability is the key. I would be extremely surprised if Aflac

approved you for an individual policy, which is why I stressed the

group policies. Even the RA would probably exclude you. Also,

understand one thing and that is to not answer any question honestly

on an application is the same as throwing your money in the fire,

because they could care less while you're paying, but would check it

out if you tried to collect. It's not preexisting conditions I'm

referring to, its truthfulness in the application.

Yes, as a software engineer you do have a significant advantage. You

are correct on HIPAA making health insurance portable and eliminating

pre-existing condition exclusions. However, it only applies to health

insurance.

It is never too early to check and see what is in your social

security account either. You should get an annual report in October.

If the time comes that you are disabled then you can continue

insurance coverage for 18 months under COBRA. However, obtaining

social security disability is tougher than private rules and you

ultimately would need that unless insured under your spouse's policy

so you would be eligible for medicare. Essentially all of us are now

in a " Get as much insurance as you can afford " stage.

One last insurance to mention is Long Term Care. Again, I think you

would have a hard time getting an individual policy. However, at your

age, if your employer offers such it should be reasonably priced,

since your health will not factor into it. It would be especially

worthwhile to have if the policy is convertible to an individual

policy upon leaving which most Long Term Care policies are.

I don't know how many out there are on medicare because of age or

disability or facing it soon. One word of caution or awareness for

any headed toward it because of disability. Medicare supplement plans

for those under 65 are very slim and are generally extremely

expensive. For instance, in Texas and my county only Policies A, B

and F are offered and only two companies offer B and one offers F.

Bankers Life offers plan B. If I were 65, it would cost $211 per

month. At the age of 58, it costs $482 per month. So, Medicare

Advantage Plans become the only reasonable option.

> > >

> > > I am not sure how old everyone is but it seems that every one

is

> > older

> > > than I am accept for a few people. But being only 37 I cant

> afford

> > to

> > > lose my job and was wondering if anyone knew about the Aflac

> > insurance

> > > or actually had it? I was looking into getting a policy from

> there

> > and

> > > wasnt sure what that would entail but thought I would check it

> out,

> > > just trying to cover the basis.

> > >

> > > Sandie

> > >

> >

>

[Guest guest]

No, I haven't worked for two years for other medical reasons.

Disability is the key. I would be extremely surprised if Aflac

approved you for an individual policy, which is why I stressed the

group policies. Even the RA would probably exclude you. Also,

understand one thing and that is to not answer any question honestly

on an application is the same as throwing your money in the fire,

because they could care less while you're paying, but would check it

out if you tried to collect. It's not preexisting conditions I'm

referring to, its truthfulness in the application.

Yes, as a software engineer you do have a significant advantage. You

are correct on HIPAA making health insurance portable and eliminating

pre-existing condition exclusions. However, it only applies to health

insurance.

It is never too early to check and see what is in your social

security account either. You should get an annual report in October.

If the time comes that you are disabled then you can continue

insurance coverage for 18 months under COBRA. However, obtaining

social security disability is tougher than private rules and you

ultimately would need that unless insured under your spouse's policy

so you would be eligible for medicare. Essentially all of us are now

in a " Get as much insurance as you can afford " stage.

One last insurance to mention is Long Term Care. Again, I think you

would have a hard time getting an individual policy. However, at your

age, if your employer offers such it should be reasonably priced,

since your health will not factor into it. It would be especially

worthwhile to have if the policy is convertible to an individual

policy upon leaving which most Long Term Care policies are.

I don't know how many out there are on medicare because of age or

disability or facing it soon. One word of caution or awareness for

any headed toward it because of disability. Medicare supplement plans

for those under 65 are very slim and are generally extremely

expensive. For instance, in Texas and my county only Policies A, B

and F are offered and only two companies offer B and one offers F.

Bankers Life offers plan B. If I were 65, it would cost $211 per

month. At the age of 58, it costs $482 per month. So, Medicare

Advantage Plans become the only reasonable option.

> > >

> > > I am not sure how old everyone is but it seems that every one

is

> > older

> > > than I am accept for a few people. But being only 37 I cant

> afford

> > to

> > > lose my job and was wondering if anyone knew about the Aflac

> > insurance

> > > or actually had it? I was looking into getting a policy from

> there

> > and

> > > wasnt sure what that would entail but thought I would check it

> out,

> > > just trying to cover the basis.

> > >

> > > Sandie

> > >

> >

>

[Guest guest]

Speaking of life insurance. My policy I took out in the early 70's has a disability rider. Didn't remember this till my yearly statement last year. So called the company about it. Found out they would make my payments till i reach 65 YO, I am now 59. They also back dated the rider to my disability date and credited my cash value. Just thought this might help some of you to look into. I also have a small policy from my company i retired from. They offered it to any retiree with no questions asked so i jumped for it. The best thing about it is they will pay full value on it before you die, if your Doctor will state you have less than a year to live. So As I get closer to the bright light I will use this for my last expenses so the wife and kid don't have to make arrangement P PM (Polymositis) 12/98, UIP 8/00, o2 24/7 8/04, PH 3/06, ILL yo 59 __________________________________________________

[Guest guest]

Many policies other than the one you describe will also pay some in

advance if you have a terminal illness although a lot of times its at

quite a price. In fact, every life policy is always negotiable even

if you aren't that close, if you're willing to accept less.

One thing to watch is that if you are going to end up in a nursing

home, the insurance over the cash value is protected. If you have

substantial cash value you might even consider turning ownership over

to the beneficiary and to make sure its legitimate have them make all

future payments.

>

> Speaking of life insurance. My policy I took out in the early 70's

has a disability rider. Didn't remember this till my yearly

statement last year. So called the company about it. Found out they

would make my payments till i reach 65 YO, I am now 59. They also

back dated the rider to my disability date and credited my cash

value. Just thought this might help some of you to look into.

>

> I also have a small policy from my company i retired from. They

offered it to any retiree with no questions asked so i jumped for

it. The best thing about it is they will pay full value on it before

you die, if your Doctor will state you have less than a year to

live. So As I get closer to the bright light I will use this for my

last expenses so the wife and kid don't have to make arrangement

>

>

>

>

>

>

> P PM (Polymositis) 12/98, UIP 8/00, o2 24/7 8/04,

PH 3/06, ILL yo 59

> __________________________________________________

>

[Guest guest]

I see what your saying! I am not sure if they offer long term

care. isnt there one organization out there that offers all of this

together? There has to be something for petes sake they have dog/cat

insurance these days. I will have to do some serious digging.

I wasnt stating I would dishonest on my application. As it wouldnt

be because right now thats all I have is RA nobody else is saying

anything so they can check it out all they want I would think.

With my husband going back into the military and looking at rejoining

full time they have supplement policies for health. With that even

when he retires in 10 years he gets to keep his insurance. So that

would be ok for health insurance.

All this just makes me worried for when it does come to the point I

cant work. Which we we all know that could be tomorrow or in 10, 20

years...Thats what bothers me I guess...

Thanks for the wisdom again....

Sandie

> > > >

> > > > I am not sure how old everyone is but it seems that every one

> is

> > > older

> > > > than I am accept for a few people. But being only 37 I cant

> > afford

> > > to

> > > > lose my job and was wondering if anyone knew about the Aflac

> > > insurance

> > > > or actually had it? I was looking into getting a policy from

> > there

> > > and

> > > > wasnt sure what that would entail but thought I would check

it

> > out,

> > > > just trying to cover the basis.

> > > >

> > > > Sandie

> > > >

> > >

> >

>

[Guest guest]

I see what your saying! I am not sure if they offer long term

care. isnt there one organization out there that offers all of this

together? There has to be something for petes sake they have dog/cat

insurance these days. I will have to do some serious digging.

I wasnt stating I would dishonest on my application. As it wouldnt

be because right now thats all I have is RA nobody else is saying

anything so they can check it out all they want I would think.

With my husband going back into the military and looking at rejoining

full time they have supplement policies for health. With that even

when he retires in 10 years he gets to keep his insurance. So that

would be ok for health insurance.

All this just makes me worried for when it does come to the point I

cant work. Which we we all know that could be tomorrow or in 10, 20

years...Thats what bothers me I guess...

Thanks for the wisdom again....

Sandie

> > > >

> > > > I am not sure how old everyone is but it seems that every one

> is

> > > older

> > > > than I am accept for a few people. But being only 37 I cant

> > afford

> > > to

> > > > lose my job and was wondering if anyone knew about the Aflac

> > > insurance

> > > > or actually had it? I was looking into getting a policy from

> > there

> > > and

> > > > wasnt sure what that would entail but thought I would check

it

> > out,

> > > > just trying to cover the basis.

> > > >

> > > > Sandie

> > > >

> > >

> >

>

[Guest guest]

I see what your saying! I am not sure if they offer long term

care. isnt there one organization out there that offers all of this

together? There has to be something for petes sake they have dog/cat

insurance these days. I will have to do some serious digging.

I wasnt stating I would dishonest on my application. As it wouldnt

be because right now thats all I have is RA nobody else is saying

anything so they can check it out all they want I would think.

With my husband going back into the military and looking at rejoining

full time they have supplement policies for health. With that even

when he retires in 10 years he gets to keep his insurance. So that

would be ok for health insurance.

All this just makes me worried for when it does come to the point I

cant work. Which we we all know that could be tomorrow or in 10, 20

years...Thats what bothers me I guess...

Thanks for the wisdom again....

Sandie

> > > >

> > > > I am not sure how old everyone is but it seems that every one

> is

> > > older

> > > > than I am accept for a few people. But being only 37 I cant

> > afford

> > > to

> > > > lose my job and was wondering if anyone knew about the Aflac

> > > insurance

> > > > or actually had it? I was looking into getting a policy from

> > there

> > > and

> > > > wasnt sure what that would entail but thought I would check

it

> > out,

> > > > just trying to cover the basis.

> > > >

> > > > Sandie

> > > >

> > >

> >

>

[Guest guest]

There are quite a few companies that offer most or all the products.

However, even without diagnosis, your chances of getting approved

with RA and with your current medical records are not good. While

applying can't hurt and I'll be glad to point toward some, ultimately

a group plan of some sort is your best hope.

> > > > >

> > > > > I am not sure how old everyone is but it seems that every

one

> > is

> > > > older

> > > > > than I am accept for a few people. But being only 37 I

cant

> > > afford

> > > > to

> > > > > lose my job and was wondering if anyone knew about the

Aflac

> > > > insurance

> > > > > or actually had it? I was looking into getting a policy

from

> > > there

> > > > and

> > > > > wasnt sure what that would entail but thought I would check

> it

> > > out,

> > > > > just trying to cover the basis.

> > > > >

> > > > > Sandie

> > > > >

> > > >

> > >

> >

>

[Guest guest]

There are quite a few companies that offer most or all the products.

However, even without diagnosis, your chances of getting approved

with RA and with your current medical records are not good. While

applying can't hurt and I'll be glad to point toward some, ultimately

a group plan of some sort is your best hope.

> > > > >

> > > > > I am not sure how old everyone is but it seems that every

one

> > is

> > > > older

> > > > > than I am accept for a few people. But being only 37 I

cant

> > > afford

> > > > to

> > > > > lose my job and was wondering if anyone knew about the

Aflac

> > > > insurance

> > > > > or actually had it? I was looking into getting a policy

from

> > > there

> > > > and

> > > > > wasnt sure what that would entail but thought I would check

> it

> > > out,

> > > > > just trying to cover the basis.

> > > > >

> > > > > Sandie

> > > > >

> > > >

> > >

> >

>

[Guest guest]

Thanks point away it wont be the first time i have applied for

something and been turned down, it took me a while to get life

insurance but I finally did so I am happy to keep applying for things

until I get what I need as I did with the LI.

Can you give me some names?

Thanks

Sandie

> > > > > >

> > > > > > I am not sure how old everyone is but it seems that every

> one

> > > is

> > > > > older

> > > > > > than I am accept for a few people. But being only 37 I

> cant

> > > > afford

> > > > > to

> > > > > > lose my job and was wondering if anyone knew about the

> Aflac

> > > > > insurance

> > > > > > or actually had it? I was looking into getting a policy

> from

> > > > there

> > > > > and

> > > > > > wasnt sure what that would entail but thought I would

check

> > it

> > > > out,

> > > > > > just trying to cover the basis.

> > > > > >

> > > > > > Sandie

> > > > > >

> > > > >

> > > >

> > >

> >

>