Turned Down for Long Term Care Insurance
When my diagnosis was changed from Parkinson’s, which is progressive, to Essential Myoclonus, which is not, we decided to see if we could improve our term life insurance policy rates, and also see if we qualified for Long Term Care insurance. The preliminary review from both looked promising, so we asked our financial adviser to proceed.
Well, the life insurance folks said wait 6 months from the new diagnosis, which seems reasonable.
The lady who handles the LTC accounts seemed optimistic, despite hubby’s cancer history and my neurological history. But she called yesterday to say that they would not insure me. She said it was not the diagnosis, but what the doctors had written that precluded insuring me. Grrrrr!!! Yuck!!! Dradit!!!
I’ve asked her to fax the report from the doctors to me that caused the rejection. Not a happy camper at all about that, and wondering what in the world they said that alarmed the insurance folks. Plus, that doesn’t sound hopeful for reducing my rates on life insurance, either.
We had a wonderful time visiting with our younger daughter on her birthday. She got off work, and we just hung around and enjoyed each other’s company. We took her out to lunch and even went to a few thrift stores – she’s just as addicted as we are! LOL!!
I had done the dumb stunt again this month and forgotten that my Primidone prescription doesn’t run out at the same time I order all the others. So I had to really scrimp and stretch between doses to get back home before I was entirely out. So I asked hubby to see if our pharmacist would sell us 10 extra pills, so it would coincide with the rest of my order. He gave him the pills! Said we were such good customers that it was the least he could do. Granted, these are not expensive pills, but I was still floored!!! I plan to go thank him in person the next time we’re out.
And we sold one of our finds from Monday to a family who had been searching for it for a long time. I recognized it the moment I saw it and couldn’t wait to let them know it had been found.
So as always, I choose to enjoy the happy moments that come, but can still get freaked out by all the changes this disorder has caused in our lives.
I had not expected to be able to qualify for LTC, but then she seemed so sure I would. Haven’t heard from her with the fax yet, but I’ll deal with that tomorrow. At least we can get LTC for my hubby!!
Thanks for stopping by, B’nana!!
I am glad you had a great visit with your daughter and that the pharmacist helped out,and the find for the client…so three positives and on rather large negative…UGH I am sorry about the insurance news… Hang in there kiddo!
Hugs B’nana