Maybe I should be self insured
11-03-2010, 08:05 PM
#21
Registered User
But with tens of thousands of surgical bills paid, you at least feel like you got over on the deal.
I've paid my employer more in premiums over the last 12 years than they've paid out on my behalf. So you understand if I don't feel like I got as good a deal as you did.
I've paid my employer more in premiums over the last 12 years than they've paid out on my behalf. So you understand if I don't feel like I got as good a deal as you did.
11-04-2010, 05:05 AM
#22
Originally Posted by RedY2KS2k,Nov 4 2010, 12:05 AM
So you understand if I don't feel like I got as good a deal as you did.
11-04-2010, 11:05 AM
#23
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Originally Posted by RedY2KS2k,Nov 4 2010, 12:05 AM
But with tens of thousands of surgical bills paid, you at least feel like you got over on the deal.
11-04-2010, 11:39 AM
#24
Registered User
Seeing that I am a retired US Army Veteran, I am covered (thankfully) by Tricare West Standard. After my divorce, we were on Prime, but then (BAMMMM) we were taken off the Tricare Prime and had to seek local Drs to service us. Remarried now and the Tricare Standard is a good thing for me. My Cece now has health ins with her work.
Another concern is Life ins. MMMMMM not for sure if I want to keep it going seeing that I have some good investments. Seems we can take the monthly premiums for life ins, invest them ourselves and make that much more in interest per year.
Comments welcome.....
Another concern is Life ins. MMMMMM not for sure if I want to keep it going seeing that I have some good investments. Seems we can take the monthly premiums for life ins, invest them ourselves and make that much more in interest per year.
Comments welcome.....
11-04-2010, 03:31 PM
#25
Registered User
You need life insurance if your/her death would leave the other partner behind the eight-ball. As, for example, with small children to raise on a single income. Or a mortage that the surviving spouse couldn't handle on his/her income; etc.
Or, in earlier times, you're FILTHY rich, and your death would have triggered an estate tax bill that would have forced the sale of the family business or farm or whatever.
If both of you are confident you'd be comfortable financially if the spouse checked out tomorrow with no life insurance, then you don't need any.
Or, in earlier times, you're FILTHY rich, and your death would have triggered an estate tax bill that would have forced the sale of the family business or farm or whatever.
If both of you are confident you'd be comfortable financially if the spouse checked out tomorrow with no life insurance, then you don't need any.
11-04-2010, 09:57 PM
#26
Originally Posted by RedY2KS2k,Nov 4 2010, 07:31 PM
You need life insurance if your/her death would leave the other partner behind the eight-ball. As, for example, with small children to raise on a single income. Or a mortage that the surviving spouse couldn't handle on his/her income; etc.
Or, in earlier times, you're FILTHY rich, and your death would have triggered an estate tax bill that would have forced the sale of the family business or farm or whatever.
If both of you are confident you'd be comfortable financially if the spouse checked out tomorrow with no life insurance, then you don't need any.
Or, in earlier times, you're FILTHY rich, and your death would have triggered an estate tax bill that would have forced the sale of the family business or farm or whatever.
If both of you are confident you'd be comfortable financially if the spouse checked out tomorrow with no life insurance, then you don't need any.
11-05-2010, 01:46 AM
#27
Former Moderator
But I think a part of automobile and/or home insurance in many states is an umbrella that protects the family's net assets and future earnings (whatever that might be) against liability for injury and property damage in accidents. Isn't that right, Bill? For us non-legal-experts in a litigious society that could be an additional compelling reason to have insurance, too.
11-05-2010, 02:48 AM
#28
I seriously thought about purchasing long-term health insurance, but decided against it. It is very expensive. I hope I don't regret the decision. I am fortunate to have good regular health coverage that will continue in retirement.
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