Old 04-10-2018, 05:54 PM #1 (permalink)
chally's Avatar
Very Helpful Member
 
Join Date: 2015
City: renick
State: wv.
Country: US
Diagnosed: 02/2015
Interest: I have been diagnosed with ALS.
Posts: 1,179
chally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud of
chally chally is online now
Very Helpful Member
chally's Avatar
Join Date: 2015
City: renick
State: wv.
Country: US
Diagnosed: 02/2015
Interest: I have been diagnosed with ALS.
Posts: 1,179
chally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud of
Default Iíve insurence

Well I am intrigued with a members choice in reaching the finish line by untilizing VSED . Along with hospice help.

Does anyone know what insurence companies think about this.

Seems like a good way to head out but not at the loss of life insurance.
Any thoughts?
Chally
chally is online now  
Old 04-10-2018, 06:09 PM #2 (permalink)
GregK's Avatar
Very Helpful Member
Forum Moderator
 
Join Date: 2013
City: Colorado Springs
State: CO
Country: US
Diagnosed: 11/2012
Interest: I have been diagnosed with ALS.
Posts: 2,727
GregK has disabled reputation
♥ GregK GregK is offline
Very Helpful Member
Forum Moderator

GregK's Avatar
Join Date: 2013
City: Colorado Springs
State: CO
Country: US
Diagnosed: 11/2012
Interest: I have been diagnosed with ALS.
Posts: 2,727
GregK has disabled reputation
Default Re: Iíve insurence

For those like me who had to pause and scratch head briefly...

VSED = Voluntary Stop Eating and Drinking
GregK is offline  
Old 04-10-2018, 07:27 PM #3 (permalink)
KimT's Avatar
Extremely Helpful Member
 
Join Date: 2014
City: The Beach
State: South
Country: US
Diagnosed: 08/2015
Interest: I have been diagnosed with ALS.
Posts: 2,898
KimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond repute
KimT KimT is offline
Extremely Helpful Member

KimT's Avatar
Join Date: 2014
City: The Beach
State: South
Country: US
Diagnosed: 08/2015
Interest: I have been diagnosed with ALS.
Posts: 2,898
KimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond reputeKimT has a reputation beyond repute
Default Re: Iíve insurence

I don't think insurance companies investigate someone dying under hospice care. If I took an overdose of morphine, I would die of respiratory arrest which is consistent with ALS. Note to PALS/CALS: Some life insurance policies have accelerated benefits that pay out a portion if life expectancy is under a certain number of months. You can also sell an insurance policy and get a viatical settlement from a third party. Both accelerated death benefits and viatical settlements could have tax consequences and can affect Medicaid.

I suppose anything is possible but a case can be made for stopping eating and drinking if there is bulbar involvement.
KimT is offline  
Old 04-10-2018, 07:41 PM #4 (permalink)
chally's Avatar
Very Helpful Member
 
Join Date: 2015
City: renick
State: wv.
Country: US
Diagnosed: 02/2015
Interest: I have been diagnosed with ALS.
Posts: 1,179
chally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud of
chally chally is online now
Very Helpful Member
chally's Avatar
Join Date: 2015
City: renick
State: wv.
Country: US
Diagnosed: 02/2015
Interest: I have been diagnosed with ALS.
Posts: 1,179
chally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud of
Default Re: Iíve insurence

I was scratching too when I saw this in in memory.... VSED

Took a bit of searching
chally is online now  
Thanks from
GregK (04-10-2018)
Old 04-11-2018, 01:17 AM #5 (permalink)
lgelb's Avatar
Extremely Helpful Member

Forum Moderator
 
Join Date: 2009
City: Seattle
State: WA
Country: US
Diagnosed: 09/2009
Interest: I lost a loved one to ALS/MND.
Posts: 6,323
lgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond repute
♥ lgelb lgelb is offline
Extremely Helpful Member

Forum Moderator

lgelb's Avatar
Join Date: 2009
City: Seattle
State: WA
Country: US
Diagnosed: 09/2009
Interest: I lost a loved one to ALS/MND.
Posts: 6,323
lgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond repute
Default Re: Iíve insurence

Suicide as the cause of death would invalidate a policy that excluded it. However, VSED with or without hospice should result in a doc listing ALS/respiratory insufficiency as the cause of death on the certificate. It's all about what the doc writes, so you can talk to them in advance if you're worried. I have never known or imagined that a doc would jump into a hornet's nest like that with ALS -- it's a serious charge, for many reasons and requires a coroner's investigation. But with ALS, there is no reason for a coroner to be interested.

In our case, without hospice, the paramedics/cops/coroner's delegate were all happy once I flashed Larry's advance directive at the paramedics, who of course showed up first. I'd imagine in a smaller city, many fewer people would have shown up.

If you think about it, many, many deaths among PALS amount to VSED without calling it that -- the only difference is the number of days by which the strategy is preannounced, and how weak the PALS is at that point.
lgelb is offline  
The Following 6 Users Say Thank You to lgelb For This Useful Post:
azgirl (04-11-2018), Chincoteaguer (04-11-2018), DaChief (04-11-2018), frankb (04-26-2018), Romeosc (04-11-2018), wishmobbing (04-11-2018)
Old 04-11-2018, 06:35 AM #6 (permalink)
chally's Avatar
Very Helpful Member
 
Join Date: 2015
City: renick
State: wv.
Country: US
Diagnosed: 02/2015
Interest: I have been diagnosed with ALS.
Posts: 1,179
chally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud of
chally chally is online now
Very Helpful Member
chally's Avatar
Join Date: 2015
City: renick
State: wv.
Country: US
Diagnosed: 02/2015
Interest: I have been diagnosed with ALS.
Posts: 1,179
chally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud of
Default Re: Iíve insurence

Thx Laurie, whatever choice I make I will be sure my family understands the importance of cause of death as ALS
chally is online now  
Old 04-11-2018, 10:59 AM #7 (permalink)
lgelb's Avatar
Extremely Helpful Member

Forum Moderator
 
Join Date: 2009
City: Seattle
State: WA
Country: US
Diagnosed: 09/2009
Interest: I lost a loved one to ALS/MND.
Posts: 6,323
lgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond repute
♥ lgelb lgelb is offline
Extremely Helpful Member

Forum Moderator

lgelb's Avatar
Join Date: 2009
City: Seattle
State: WA
Country: US
Diagnosed: 09/2009
Interest: I lost a loved one to ALS/MND.
Posts: 6,323
lgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond reputelgelb has a reputation beyond repute
Default Re: Iíve insurence

No one should have to sweat COD as long as you've seen whatever doc will complete the death certificate within the last year. That's pretty much the norm, for that and for getting things like morphine or other rx. Also, FYI, for completeness, some docs will list other known, possibly fatal conditions.

In our case, actually, the doc wasn't around so a physician's assistant did the certificate, double-checking with me. It really is pretty transactional.
lgelb is offline  
Thanks from
notBrad (04-12-2018)
Old 04-11-2018, 03:23 PM #8 (permalink)
GregK's Avatar
Very Helpful Member
Forum Moderator
 
Join Date: 2013
City: Colorado Springs
State: CO
Country: US
Diagnosed: 11/2012
Interest: I have been diagnosed with ALS.
Posts: 2,727
GregK has disabled reputation
♥ GregK GregK is offline
Very Helpful Member
Forum Moderator

GregK's Avatar
Join Date: 2013
City: Colorado Springs
State: CO
Country: US
Diagnosed: 11/2012
Interest: I have been diagnosed with ALS.
Posts: 2,727
GregK has disabled reputation
Default Re: Iíve insurence

Quote:
Originally Posted by chally View Post
Thx Laurie, whatever choice I make I will be sure my family understands the importance of cause of death as ALS
I believe that this is especially important for Veterans, as survivor benefits depend on it.
GregK is offline  
Old 04-11-2018, 05:54 PM #9 (permalink)
chally's Avatar
Very Helpful Member
 
Join Date: 2015
City: renick
State: wv.
Country: US
Diagnosed: 02/2015
Interest: I have been diagnosed with ALS.
Posts: 1,179
chally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud of
chally chally is online now
Very Helpful Member
chally's Avatar
Join Date: 2015
City: renick
State: wv.
Country: US
Diagnosed: 02/2015
Interest: I have been diagnosed with ALS.
Posts: 1,179
chally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud ofchally has much to be proud of
Default Re: Iíve insurence

Right you are Greg!
chally is online now  
Closed Thread

Tags
hospice, insurance, life, life insurance


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off


All times are GMT -5. The time now is 06:54 AM.

 

Who we are

"We are a volunteer-driven online community that originated in 2003. We are a resource for anyone affected by ALS and MND. We are a community of like-minded and compassionate individuals. Together we are the ALS Forum and together we build this online resource and online community."

 

Want to help?

Have you found our website helpful? Do you enjoy having a place to talk to people that are knowledgeable about ALS and MND? If you have found it helpful to chat with people at different stages of the ALS/MND journey we encourage you to get involved.

Copyright © 2016