... i need to finish up a conversation i was having below in the comments section about private diability insurance and my personal experience with such. The main participant in the dicussion was Anonymous, who had some pretty basic misconceptions about the insurance industry as a whole, but more specifically disability insurance. Having a host of other things to do last week when he or she posted his response, I missed the last two comments by this person and wanted to finish the discussion.
As follows:
Anonymous said...
Are you getting government disability?
May 14, 2010 4:47 PM
Goober’s Reply…
No, I am not, and never did. I wasn’t interested in jumping through the hoops to get it – it is a pretty arduous and invasive process and I didn’t want the government to get that involved in my personal affairs. It wasn’t because of some personal vendetta against getting or receiving government "handouts", either, because in my opinion, I’ve been paying into the system for quite some time now, and would have no qualms in getting some of what I paid in back if it was justified. It was simply that going on the government roles basically required me to submit to being a ward of the State, after the enrollment period, which was way too much work to go through for 17,000 a year.
Anonymous said...
Can you explain why our host's (by "host" he means Steve - Goob) experience with private disability insurance wasn't as dreamy as yours?\
Goober Replied:
I am not prepared to speak for Steve on the matter, but as I recall from his detail of the story, he did not have private disability insurance at the time of his disability. Steve can correct me if I’m wrong, but I wouldn’t blame him if he just ignored this whole mess after all of the nastiness you’ve floated his way.
In my personal opinion, the government has no place in mandating that we all carry disability insurance - I'm not even sure that they carry that authority, but we shall see in the coming court challenges of the recent health insurance mandate whether the Supreme Court agrees with me or not. Therefore, I can see no way around having a government operated disability system that will provide for the basic needs of the disabled who were or are not able to do for themselves.
Unlike some others, I will not say that we should allow them to starve or become indigents because they became disabled. As a polite and civil society, we must take care of those who have become injured or ill while contributing to said society. So again, i see no way around having a government-operated disability system to provide for their basic needs while they are disabled.
However, I believe, at the risk of offending present company (with no offense meant whatsoever) that all responsible primary breadwinners for a family or individual should carry a disability policy to hedge against the disasterous effects a disability or illness can wreak upon a family. They are very inexpensive. My quarter-year debacle would not have impoverished my family had I not had the insurance, but it wouldn't have taken much longer for us to be in big trouble. The piece of mind having that insurance gave me helped me to recover more quickly.
11 comments:
NannerMouse always was pert much a LemmiWinks.
Back where you belong NannerLemmiWinkMouse
Goob,
the scenario is, once you've applied for ANY disability insurance private or SSD and even IF it IS denied, both the privateers and the gub'mint consider it a Valid Claim.
After that ONLY the Feds will touch you.
I applied once in 1993, got denied, was able to return to work (my original mistake), tried to get private disability for 3 years, gave up, then when I was completely spent, the only recourse I had was SSD.
Today's lesson, I don't care how old you are, how good you feel, or what you have NOW, call AFLAC, or somebody TODAY!!
There are States where this varies some, but you'll be better served by private insurance than by ANY gub'mint plan.
Here's the opposite of my deal.
When my younger son was blasting in Atlanta, he had AFLAC. He got severely burned at home in the kitchen. It compromised his hand and he could not work for ten days. His company had a 12 day per year injury policy on TOP of sick leave. (they knew injuries happen and hooray for them) He applied for his AFLAC money thinking he'd get just the difference in his actual 3/4 injury pay and his full pay. His AFLAC policy paid his full pay anyway. When he contacted them the AFLAC rep told him he was paying for full reimbursement coverage, so he got his full pay.
When he signed up he inadvertently checked the "Full Pay" block, and the cost to him then was doubled for the AFLAC. It was about $20.00 per week for differential payments or $40.00 per week for full pay.
Trust me, he was making enough that he never missed the money difference and he left it alone when he found out.
The moral of the story, I don't care how old you are, how good you feel, or what you have NOW, call AFLAC, or somebody TODAY!!
Remember loss of health includes getting hit by a car driven by un-insured liberals or illegal aliens. Neither of whom can you sue. They're all poor. Or at least I thought that's why they don't pay their income taxes!!
How dare you insult me so? After all the battles we've been through together. Those dangerous missions. Destroying the evil JJGR!
Bite my furry little ass!
So where is the anon troll? You addressed this right at him / her / she / they / it Goob, and no reply. That's just rude.
his teleprompter is being repaired
Lemmi----- How ya'll doin up there up inst Mr. Slaves' ass squezzin up-a-ginst Paris Hilton.?
O and Kyle LICK MY BALLS!
Goes dat goes fer ewe 2 der MissyWinks....... EAT ME!~
Pear-ass Hilton. I'd do her.
Of course there's a way around having a government disability system. Just not having one. Plenty of conservatives believe that unless, like our host, they find themselves in need.
You, too, would have aviled yourself of the system if you didn't have a private policy. And if your private policy wouldn't have piad off you would have found the motivation to apply to the government system. Also like our host, you would have rationalized your welfare by believing you "paid in to the system" when in fact you have not paid even a small fraction of what you'd get out.
My point remains valid. You people support a dog-eat-dog culture unless you're the dog being eaten. Then you magically find yourself supporting socialism. For you and yours only, of course.
It's like Babu Jindal who can't pass a microphone without bleating for help from the federal government he wants to dismantle. "Oh Please! Help us with our oil spill!"
LOL, F*CK em. They wanted the rigs, they hate the government, let them go to BP or Halliburton for help. Couldn't be happening to a more deserving region than the conservative south.
You tried to get disability in 93? What, you wanted to retire after working for a few years?
I know inner city black women with 10 children who don't screw the system that hard.
In '93 I knew that I was going to retire. Only 12 more years to go, but I went 17 instead. I couldn't resist the unlimited wealth of benifits that would come if I just stuck it out that far.
HAHAHAHAHAHAHAHAHAHA, well, I get the bennies, just have to pay for them is all.
So, Anon...in '93, what grade were you in? I hope you are not of the same venue of one of our former contestants, who wasn't even out of diapers that year.
As a side note, 6 months after the fact I finally got my invite from DAV today. I think I will register with them just in case. AND I did sign up for disability insurance with my new employer. I learned that about 4 years ago when I good friend, doing the same job I am now, had an anurism and was permenantly grounded. They paid him for 2 years, then when his cognative ability was no longer in question, they got him a new job with the same benifits but only slightly lower pay.
Sometimes you have to feel blessed to get in with a company that loves their bottom line, but realizes that it is the people who make the bottom line happen.
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