rcharlton
Moderator emeritus
- Joined
- Jun 20, 2005
- Messages
- 641
- Reason
- PALS
- Diagnosis
- 11/2005
- Country
- CA
- State
- Ontario
- City
- Toronto
A year or so prior to my diagnosed - I had this insurance consultant friend calling me daily urging me to consider critical illness insurance - I just kept ignoring his calls...I'm only 37 and healthy as a horse - don't bother me with this garbage...
In January '05 I received an application to significantly increase my long term disability insurance at work - I filled out the form but never got around to sending it in - I remember running across it from time to time on my desk and I kept telling myself there's no rush - came across it again just around the time in May when I started seeing my familiy doctor about the weakness in my hand. No issue if I had mailed it in in January - but in now I can longer qualify.
Just bought a house in early May - the bank offered LTD insurance - I declined of course...- why would I need that?
Hindsight is 20/20 - and I can't really fault myself for declining the critical illness insurance or LTD on my mortgage - these were rational decisions based on the information I had at the time - but I keep kicking myself for not sending in the increase form for my LTD at work...
...but the worst is...and those of you who live in Toronto and listen to 680 CFTR will understand...is to have to listen to the obnoxious "critical illness insurance" radio ad that plays incessantly... "Imagine being told you have cancer? How are you going to pay your bills, your mortgage, your nanny fees...Too often I get calls from people diagnosed with a critical illness and for them it's too late to qualify - so act fast and call now - Rates are going up and the return on premium is going away"
Arghhhh! :x
I guess the only thing to do is to beat this monster called ALS! Die you monster! Die! Die!
In January '05 I received an application to significantly increase my long term disability insurance at work - I filled out the form but never got around to sending it in - I remember running across it from time to time on my desk and I kept telling myself there's no rush - came across it again just around the time in May when I started seeing my familiy doctor about the weakness in my hand. No issue if I had mailed it in in January - but in now I can longer qualify.
Just bought a house in early May - the bank offered LTD insurance - I declined of course...- why would I need that?
Hindsight is 20/20 - and I can't really fault myself for declining the critical illness insurance or LTD on my mortgage - these were rational decisions based on the information I had at the time - but I keep kicking myself for not sending in the increase form for my LTD at work...
...but the worst is...and those of you who live in Toronto and listen to 680 CFTR will understand...is to have to listen to the obnoxious "critical illness insurance" radio ad that plays incessantly... "Imagine being told you have cancer? How are you going to pay your bills, your mortgage, your nanny fees...Too often I get calls from people diagnosed with a critical illness and for them it's too late to qualify - so act fast and call now - Rates are going up and the return on premium is going away"
Arghhhh! :x
I guess the only thing to do is to beat this monster called ALS! Die you monster! Die! Die!