and and Cindy

[Guest guest]

<unlurk>

,

You're right about PMI - it's insurance for the lender that a

mortgage with a high loan-to-value ratio (low down payment) can be

paid off if defaulted on in the early period of its term. The other

type of Mortgage insurance that is not optional, also protects the

lender - insuring that the lender will not lose their money by the

death of the mortgage holder. As far as I know, no physical exam or

medical information is required for these. Mortgage Life Insurance,

whether through the lender or an insuror of your choice is optional,

and is designed to protect the home owner's survivors by paying off

all or part of the balance owed, in the case of the death of the

insured. It is Decreasing Term Life, there are a gazillion different

plans available, and it's highly likely that someone with PSC would

be able to find an affordable plan with a short enough exclusion

period for pre-existing conditions(like the 2 year one

mentioned)to make it worthwhile.

, no, I don't think you're being morbid at all. You've reached

equilibrium with your disease - you know it's there, and you're going

to deal with the things you can deal with, but you're not going to

let it run your life. Good for you!

, Medicaid is operated by each state, and funded largely by

grants from the federal goverment. The programs of each state

medicaid plan, and the eligibility for them, are determined by the

state, with the only federal mandate being that whatever they offer

to any citizen of the state they have to offer to all. Not all states

offer the type of waiver program you described, and some offer one

that that is even more liberal.

Yes, I'm still here, guys...I read all the posts every day...but

posting something is a convoluted process out here on the road, so

I've mostly been a lurker lately. Sorry. Hello to all the newcomers -

please continue to ask all those questions you've got. We old-timers

know the feeling, and somebody will have an answer for you.

Steve Rahn

L Tx 9/6 & 9/8 '85 -Wash U. STL - PSC

(Re)Born on the Fourth of July, 2003 - U of IA - Recurrent PSC

" Don't solve the solution, solve the problem " Dean Kamen

</unlurk>