I am scheduled for an evaluation as part of my disability claim. The disability insurance company has set up an all day "evaluation process" for September 10. They even point out in their letter that this will be at their expense. That made me laugh. I'm supposed to be grateful or relieved that I don't have to pay for it? Blood sucking cretins.
Today is the 1 year anniversary of ...
Little did I know then that Siren would quickly become the only medical attention I could afford.
I could go on now to rant about the state of healthcare but instead I just want to give a bit of advice.
NEVER believe or trust an insurance broker. NEVER. Repeat after me ... NEVER.
And then, even after you grill them about the policy they're selling you, GRILL them some more.
When I started my own buiness I was innundated by offers from insurance cos. The moment I got my business license they came out of the dark like the insects they are. I did my homework. I am very good at research. I chose insurance carriers for life, for the office, for employee healthcare, for my own healthcare, plus all the taxes a small business pays.
And I chose a disability carrier. Why? So I'd never need to rely upon anyone if I got hurt. So that what is now happening would NEVER happen.
My research made me ask what would happen if my working conditions changed. What if my revenue dropped - after all my industry is volatile. I was told I could be covered for that. For an extra charge each month of course. I have been paying that extra charge while being accused of claiming I'm disabled because my business is struggling.
When costs started to kill the small profits I was making and my rent on both the office and my apartment were about to increase I decided to look into buying a house that a>could be converted into a 2 family and b>would allow me to work from home. I asked the insurance vultures if this change in working condition would harm my coverage. No, No, No - my policy was not contingent upon my location or the size of my staff. Now they tell me they don't see why I can't keep working since I work from home. They don't see why I can't maintain revenue even though I don't have staff because I can't afford staff.
I really don't want to talk about how the sharing of the house has worked out. Today is already a hurtful day. I can't believe a year of this crap has gone by.
And yet I am in better shape than many. People die waiting for medical care or lose their homes waiting for insurance claims.
The insurance industry is far too powerful. Far too corrupt. Far too greedy.
They need to be investigated and regulated. I volunteer to serve on the panel.
And now for the happy portion of our program.
Hope has a swing that she enjoys ...
But the swing is inside ...
... and that has been bugging her.
So she went to the park with her Mom ...