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Well, I had plans to work on the business taxes when the phone rang. It was the life Insurance company. It seems that because Ted died before we had the policy two years, my claim has to be investigated. It could take from 2 to 5 months. This put my day in a downward spiral. It seems everything that can go wrong does. I plopped myself down on the sofa with a cup of tea for the rest of the morning crying my heart out.
I pulled my self together and took Danny with me to the office to get the mail. There wasn’t any. Not even junk. When we got home, I took Danny for his lunchtime walk and when we got back, I made myself a tuna sandwich.
This afternoon, the investigator called to make an appointment. He sounded very nice so maybe it won’t be so bad. I asked what information he needed and we made the appointment for Monday. He apologized for having to do this but it is a requirement by the insurance company. I wrote down the list of things he gave me and proceeded to get the information together. Fortunately, most of it is in the computer.
After gathering the insurance information, I took Danny outside and chained him to the Redbud tree while I applied another bag of mulch. I had wanted to buy more but things may be tight for awhile. I’ll have to make do with what I have. I’ll have to put my house repairs on hold. I just hope they don’t find some loophole to deny my claim. I hate insurance. They always find a way to screw you.
I took Danny in the car with me and went to the video store. It’s going to be a long weekend. I would go away but I sing in the choir and we are already short one lady. It is Palm Sunday.
Last year on Palm Sunday, Ted went to North Jersey to work for a client and I went to Maryland to visit my friend, Dottie. It seems like yesterday and it seems like years ago.
Danny’s ears seem to be doing better. He gives me a hard time about his ear drops but he’s not scratching as much. I hope he continues to improve. He’s such a sweet little dog. He’s had his night time walk and has gone up to bed. I’ll join him shortly.
News from the Vorlon Wife.
Hi Karol,
My son is in the world of insurance, and the most difficult part of his job is having to tell people they don't have enough information to settle yet, or blah blah blah. That was such a bummer to get that information Karol. However, I really feel that everything will work out okay. Time is the problem for you financially, but, just try to work with him the best way you can. He's just a guy trying to do a job and when he actually works with you face to face, he is going to be human enough to understand your concerns and try to get your claim settled as quickly as possible. Some days are so like the old saying, "anything that could go wrong went wrong today". I'm glad you'll have a chance to meet with him on Monday and maybe he will be able to move things along a little faster knowing your situation. If you have to bribe him a little with cookies and coffee, oh well, if it works - great.
I wish you could have gone on a little weekend get-away. Maybe next weekend will work - oh probably not then either because that will be Easter weekend and you probably have a choir performance to do. Take it as it comes Karol, it will all work out soon. Really, it will. I think of my mother when I say that. My father died very unexpectedly at age 57. He & my mother were just not prepared financially at that point to leave my mother set financially. And, when the dreaded insurance man came to talk with her after my precious father died, he just very bluntly told my mother that she was going to have many financial problems. Well, my mother lived exactly 30 years longer than my father, and my mom did very well. Very well. She was so distraught, scared and frightened, but, she began to take it an hour at a time, then three hours at a time and she just kept working her way through all the stuff and she lived a comfortable life during those 30 years. We were always so teribly proud of her. And, she felt proud of herself too. She often talked about the insurance man who told her she was going to have such a tough time and she wished she could have talked with him again a few years later. Mom never remarried, but she had all she needed. My father would have been terribly thankful and proud of my mom. Mom & Dad were great believers in our Lord, and Mom always gave Him the thanks for her good life.
Ted knows you will make it too Karol. And, so do all the rest of us. God is quietly walking with you through this foggy part of life. The sunshine is just waiting to come over the hill. Trust that it will Karol. Caring for you so much and praying for better days soon. Ruth
Posted by: Ruth Berlien at March 30, 2007 10:56 PMKarol,
You shouldn't have any problem with the insurance company; it's just something they have to do. However, everyone can understand how you feel.
Insurance companies need to check into the cause of death, etc. They don't pay for suicide if under 2 years - that's the main reason for their investigation.
That came about because of the depression. People lost everything in the stock market and men would then buy a large insurance policy, pay the first premium, then commit suicide. That's when rules changed.
You won't have any problems collecting.
Posted by: Reb Orrell at March 31, 2007 6:38 AMThat is some aggravation but as Reb tells you, this is standard. Appears you are fortunate to have a rep contact you that is compassionate. We get thrown a curve, and then a break through appears. It will work out - of that you can be certain.
Cool today outside, isn't it? YEsterday I worked in one raised bed and planted lettuce and swiss chard seeds. I've never grown swiss chard but we enjoy all greens.
What does your Wednesday look like? Len is taking his truck to Camping World right after work to have some springs put on it for towing the Fifth Wheel trailer. I get out of work 3:30. Suppose I come on over and we can grab some dinner.
Sing beautifully tomorrow.....
Posted by: at March 31, 2007 9:17 AMKarol, the only relationship our family ever had with a life insurance company was way back in the year of 1933.
My father age 53 was stricken with Tuberclosis, Which he died of. At that time, our country was in the midst of the depression. The Life Insurance companys my Father was insured with went Bust. Even though my father had paid premiums for several years. My Mother never collected a dime or remarried,
We hacked it out on the farm as best we could.
I was 12 years old. We were able to keep the farm and didn't loose it as many others did. Being on the farm we were fortunate to have food to eat that we shared with others when possible. I might add we had No inside plumbing in those days.
We understand your situation and are sure every thing will work out to your satisfaction.
A cup of Tea and a couple cookies might be in order.