Disability insurance life met

I asked this earlier, and really got no good advice. So I will make the story shorter. Long story short, my MIL is getting married in less than a month to a guy she just met in November. My husband has met him, guy is a jerk, won't work, and just dumped my mother in law during the entire month of December to be with his 2nd ex-wife. My MIL is completely desperate to have a man in her life, and almost did this 2 years ago (with another guy). Luckily, the guy left her for another woman and it didn't happen. It seems these men use her to make their ex-wives jealous, and she can't see that. How can my husband talk to her about it? He doens't want to tell her what to do, and isn't judging her...there is just alot of stuff she won't ask men that is important to a marriage. She says things like what kind of debt, if any, the guy has, life insurance, where they will live, what his kids are like (he has 6 grown children and 14 great-grandchildren) are none of her business...?? We've been asking her questions that you typically ask someone close to you getting married, and she has no idea. All she knows is that he's been married 2x, that he's on disability, and goes to the same church as her. This has barely a 25% chance of this working, and she already is pressed for money. I'd just hate to see her marry this guy out of desperation, get used, and then have to pay money for a divorce and whatever else my happen during the marriage. My sister in law has already tried to talk to her, but she says that her kids just don't want her to be happy and that she deserves this. She's hasn't been a bad mother to my husband and sis-in-law, but she certainly hasn't been the greatest. Ever since she divorced their dad, she will "abandon" them as in not returning their calls, never coming to visit, going on long trips with the guys, etc. and ignoring her kids. Their dad died last year, and I think that they are hurt by their only real family. Should we just not say anything, perhaps let her marry the guy and learn her lesson the hard way, or should he sit down and say hey, I really think you should get to know this guy better...what's the rush? I'd really like some advice from someone who has perhaps experienced this. And, before you say it's none of my business, it is when it comes to holidays and family events, and my husband and his sister are devastated because his mom won't come around when she's with a guy. And, to be quite honest, he has a career and I'm in a professional school, and I'm not inviting random guys to holidays at my (most likely very nice) house someday to avoid making her mad. I mean, this is the kind of stuff that makes shows like forensic files, etc. Garnet, your answer really isn't answering the question as to how we should VOICE our opinion. She allowed my husbands father to beat both children, broke bones and all for their entire lives, because she is selfish and didn't want to "not have a man". When he started bringing other women to their house...then she had no other choice. Anyway, she is all they have, and after their crappy life of being put thru being around one horrible man, she continues to do so and it hurts them...because like I said...she is their mother and although she has given them a crappy life, she is the only family they have. And no, I never ignored my parents advice. I heeded it. Obviously you are a bitter old lady just like my MIL. We are trying to help and trying to find the best way to go about it....that's all. NOT tell her what to do.

I kind of asked this question yesterday but I asked "What can I do?" Instead of "who can I call" or "who can legally take care of this?" The problem is when I show up to pick my 5 and 7 old kids up - I for the last 5 years have always walked to the door and rang the doorbell or knocked, call it southern hospitality or whatever but I just feel like I'm being rude if I honk or call/text before I show. The step dad basically shows up at the door when he wants to have an altercation. Sometimes he is just outside working on something is not confrontational so I assume that he will be cool most of the time. Well, yesterday was about the 6th or 7th time he has wanted to start an argument. One time he brought all of his bills to the door and asked me to pay them because I told my kids that daddy gives mommy money to help take care of them. I guess they told her I said I give her money and didn't really say anything else, which is fine, they shouldn't even be involved but they asked my what child support means so I explained it to them. Another time he told me my child support was pathetic and it doesn't even do enough to feed them ($600/mo). I was paying 25% of what I make. I even paid it when I was on disability for 3 months and that was like 75% of my check. I had to move in with my brother because I did not want to get behind on my C.S. and did not want to go back to court to get it adjusted because they are my responsibility and its not their fault that I had surgery and got on disability... Another time, I had to work (shift worker) over and had my wife pick them up which was the first and only time this has happened. He yelled at her and told her to get off his property. I did call him on that one and we had words. Another time (and this is the big one) I was supposed to pick my kids up on my ex's sunday for the day because they were in my brother's wedding as ring barer and flower girl. This was arranged with the ex a month ahead of time. When I showed he decided that he didn't want me to have them and told me to leave. When I said no, give me my kids he pulled a gun and said leave now. I put my foot in his door and said I will leave when I get my kids "go ahead and shoot". He slammed the door, I punched the window of the door, shattering the glass, I went to jail, 80 hrs community service, 10 months probation, 20 anger management classes. Oh, and $3,500 in window and court fees. He has even called me before and told me he is way more of a father than I will ever be. This is when my girl was 3 and my son was 1. We had just got the divorce because she met him. They were together for 2 months and he told me that, because I had a problem with the fact that my ex and him were making my kids call him dad. Please take in mind, my kids are my life. They always have been. I'm that dad that stuck with my ex as long as I could for my kids until she started talking, emailing, and having secret lunches with other guys. I have always paid my child support, med insurance, half of their med bills. I pay for the sports, and after school activities. I have never missed a weekend. They do not pack their bags to come to Daddy's house. They have their own rooms. Their own gameroom, movie room, and even computer to play on. I provide everything they need and pay her $1,300 a month. I am not a saint and there are 2 sides to every story, buy I promise you she is crazy, she is on anti depressants, tried to commit suicide at 15, always facebooks how depressed she is and can't wait until the lord returns, high school drop out, drops out of every college course she's ever tried to take, has never had a job for more than a few months. Anyway, I'm just trying to give you an overview so you don't think there is more to the story. Some dads are dead beats and decide they want to be dads half way through the kid's life after they are done partying, and the Mom gets shafted. I grew up in a divorced home, I know from experience. I DO EVERYTHING BY THE BOOK AND I DO IT RIGHT!!!! Her husband works out of town most of the time (Thank God) and she has even told me she is going to leave him (like its any of my business), and I don't even talk to her about that stuff, just my kids. I have been to a lawyer and unless their is physical violence, I can not get a restraining order for him to stay even 10 feet away at all times. Legally, we are not supposed to discuss child support, and yesterday he chose to discuss it on his doorstep while he told my kids to stay in his house until he was done talking to me. I was there at 5:59pm, my scheduled time is 6pm, so he did not have the right to do this. My ex assumed her new check of adjusted C.S. was coming in although I told her it wasn't, so she spent her money on expensive dinner's and b-day presents for her sister (I know this because of facebook, I'm not her friend on facebook but my wife sees her comments because they have mutual friends) and now that the old check

PLEASE give me advice.. My brother is mentally ill but able to function in society. He has aspergers which is high functioning autism and he probably has other problems too..personality disorder maybe. For a long time he looked on on line dating sites to find a girlfriend. That was the most important mission in his life: he must have a gf. Finally in November he met someone who didn't reject him. After talking to her online for 3 weeks, he met her and she moved in with him the following week. She confided in me and my parents that she hated living with her stepfather because he makes jokes about her being overweight. She's 21 by the way, my brother is 23. He works as a custodian. Ever since they moved together, she has treated him like dirt. She threatens to leave him on a daily basis. She accuses him of giving her high blood pressure, anxiety attacks, and nervous breakdowns. She told him she would leave him unless he gave her an engagement ring. He bought her a diamond engagement ring in December. He wanted a long engagement but she is insisting the wedding be this summer. She is also insisting he takes her on a cruise for the honeymoon and she wants a new car. My brother isn't rich...he's baring making it by now. She refuses to work. She wants to go on medicaid and disability. She says she won't work until she gets therapy because she's had such a bad past, she says. She claims she's had a hysterectomy so she can't get pregnant. She already has 2 children from a previous boyfriend. She never sees the kids. The ex boyfriends parents take care of them. Everyone in my family is really worried about my brother. When we tell him that, he gets angry and blows us off. He's told me that either we all (his family) accept his girlfriend or he's never going to see us again and change his number. He *is* mentally ill though....there must be something we can do..this woman I'm afraid is after his money...she already told my brother that he could sign her name so she can use his insurance. But he can't! That's illegal until they are married. I told him that..he's afraid she'll leave him. PLEASE HELP WHAT CAN WE DO????

PLEASE give me advice.. My brother is mentally ill but able to function in society. He has aspergers which is high functioning autism and he probably has other problems too..personality disorder maybe. For a long time he looked on on line dating sites to find a girlfriend. That was the most important mission in his life: he must have a gf. Finally in November he met someone who didn't reject him. After talking to her online for 3 weeks, he met her and she moved in with him the following week. She confided in me and my parents that she hated living with her stepfather because he makes jokes about her being overweight. She's 21 by the way, my brother is 23. He works as a custodian. Ever since they moved together, she has treated him like dirt. She threatens to leave him on a daily basis. She accuses him of giving her high blood pressure, anxiety attacks, and nervous breakdowns. She told him she would leave him unless he gave her an engagement ring. He bought her a diamond engagement ring in December. He wanted a long engagement but she is insisting the wedding be this summer. She is also insisting he takes her on a cruise for the honeymoon and she wants a new car. My brother isn't rich...he's baring making it by now. She refuses to work. She wants to go on medicaid and disability. She says she won't work until she gets therapy because she's had such a bad past, she says. She claims she's had a hysterectomy so she can't get pregnant. She already has 2 children from a previous boyfriend. She never sees the kids. The ex boyfriends parents take care of them. Everyone in my family is really worried about my brother. When we tell him that, he gets angry and blows us off. He's told me that either we all (his family) accept his girlfriend or he's never going to see us again and change his number. He *is* mentally ill though....there must be something we can do..this woman I'm afraid is after his money...she already told my brother that he could sign her name so she can use his insurance. But he can't! That's illegal until they are married. I told him that..he's afraid she'll leave him. PLEASE HELP WHAT CAN WE DO???? He was DIAGNOSED by more than 1 professional with aspergers. You don't know what you are talking about.

I grew up with a young woman who was, well, just a little odd. At least, that's what people said. Nice people did, anyway. Most of the apes we went to high-school with said she was effing weird, and made her the target of their own personal insecurities and tormented her mercilessly. Now: she was not "slow" - in fact she was quite smart. Just that... well, she didn't know how to act. And, she would utterly collapse in the face of any sort of confrontational situation. I was the one who was always sheilding her and protecting her all through high-school. Her family was a perfectly normal couple - when I was a teen I turned to them for a place to feel safe and loved when I was going through "teen stuff," so, they can't be the "source" of her "differentness." I'm sure her disorder is organic. In fact recently I've had it pointed out to me that certain body movements are an indicator of mental illness and I was all "OMG that's just how 'Mary' walked!" The concept of "autism" came out about a decade after she and I survived high-school, and in fact she was once concerned that she might be high-functioning autistic, because she is so smart. But, somehow, the sypmptoms didn't seem to fit. I've met a lot of autistic people since then and she is nothing like them. Also she is very outgoing and caring about other people, so that doesn't fit the whole autism scenario, either. Her main symptom is that she will collapse into jelly if put into a confrontational situation. She also walks really "funny," but not because of any motor impairment. It's purely a behavior. The kind of walk film-makers use to show that someone is "a bit titched," only, she does it for real, and doesn't realize she's doing anything different. She could never hold a job because, should her boss or a customer yell at her, she would end up in a hospital needing sedation. Yet, she's able to cook and clean and take care of herself, so she can't legally (or according to insurance policies) be institutionalized. She has NO delusions or anything like that. She's a Good Person, kind and outgoing and very intelligent, yet... something is missing - something which affects her ability to manage in the real world. Currently she lives with a mentally ill (paranoid schizophrenic - officially diagnosed and therefore receiving disability income) husband and attends adult day care counselling therapy sesssions, but, in her socioeconomic bracket, that is probably as advanced as her diagnosis or level of care will ever get. My question is: I have never, ever seen or heard of a "Diagnosis" for a person like this, nor have I ever met another person who is anything like this. Is there a name for what she has, or is she just...something totally unique? I guess all I'm really looking for is a Label. Which, I guess, is fundamentally wrong anyway. But the question bugs me sometimes. Anyone out there ever meet anyone like this, and have they ever heard of a name for this sort of disorder?

Yes, I know I need to seek more professional help with this issue, but I'd really like some quick input to begin with. I've been having horrible relationship problems, and it's just really hit me that I may be the victim of emotional abuse and neglect as a child...my mother chooses to devote her attention to loser men, while mostly ignoring/neglecting me. My mom isn't a terrible person. For most of my life, I've had to deal with her choosing some of the worst of men (alcoholics, high school dropouts, ignorant, unemployed and refusing to be employed, verbally abusive, etc.). My current stepdad is all of the above, and he's essentially a dependent of my mom (though he has no disability other than being a good for nothing deadbeat...though to hear him talk in his loud, boisterous, obnoxious voice, he's king of the world). After more than a few years of just doing odd jobs, while she provided him with a home, money, medical insurance, etc., he’s only now agreed to go to a community college and take a course in being a taxi driver. A major part of this problem is that, while catering to these men, following them around like a puppy, so eager to help, she generally criticizes me, ignores me, corrects me, doesn’t divulge much about herself and questions every single last detail of my life. As a child, I was so terrified and miserable, as my now step dad was so mean and threatening to me all the time. Despite all I'd suffered, she even married my stepfather while I was at college, and never even told me...one day when I happened to call home, he answered and, gloating, filled me in on the news. If I call her for something, she’ll sometimes ignore me and respond later, but she always makes sure to answer when my stepdad calls. When I have good news, she answers with the same, generic, “Oh, that’s great!” She's also made the statement that, unlike what other parents often tell their children, there’s no such thing as my being too good for just any man. She almost seems to encourage the mistakes I make in my life, and embraced my previous boyfriends who I (later, of course) and any other friend acknowledged as a complete loser. She's always made sure that all my material wants are met, and she claims to love me, but emotionally, I've always felt a bit empty and envious while she lavished most of her attention, personality and concern on these horrid men...my own relationships have definitely suffered, and I’m generally a flipping emotional wreck most of the time. It was recently her birthday, and while I tried to give her the best gifts I could, he, as usual, got her nothing. What was worse was how, while she smiled and thanked me for my gifts, she said gifts weren't really important to her, and she wasn't that kind of person – as if my efforts were nice, but unnecessary. I've done all I can to prove to her that I'm worthy of her attention, but she just doesn't seem to see it. What is the issue here...I know none of this bs is my fault, as it began when I was a very small child? Any ideas what her problem is (I suspect my grandfather was very controlling when she was young)? Thanks so much for any input (other than to run far, far away, screaming, with my arms flailing all about)!

Ok well I met this guy online and we met in person, he is disabled where he can walk with a cane. He is 34, and I am 37 and we have both been married before. He will walk with a cane forever and never be able to drive or work his normal job again, due to a muscle/never damage. I like him, i really do and I was not raised to discriminate, but I cannot help wondering how our lives will be. It has been 3 weeks and he already talks about marriage and I am scared. I do not want to hurt him but wonder if I can in the long run be willing to be the one who will always work, and do alot of chores and etc alone, as unforunately he is unable to lift due to his balance and mobility. I feel horrible in even talking about this but I'm so confused...do I let the guy go who treats me wonderful, or do i run from the guy who wants to marry me after 3 weeks and has a disability? Oh BTW, he has no insurance and lives with mom and dad. I have a good job with state with great benefits and have my own house....i often wonder if he was not in this position would he feel the same about me (of course he syas hell no...i was sent to him for a reason and he loves me) or is it more cause he see's a way out of mom and dad's house with great benefits. Please no nasty responses as i am very into him , just trying to see if it is real and for the right reasons.....and can I handle his situation, it is alot. I will always have to drive as well as work and do the house/yard work BUT in return i may get a great guy. please help!!! So confused. Thanks

My wife and I went to her credit union to purchase life insurance for me because now I am disabled due to a chronic back injury. The credit union subcontracts it out, so the insurance company has a rep. there 2x a week. We met with her and she said, "sorry we can't insure you, we don't sell life insurance to people who are disabled". I explained that my disability is from a chronic injury to my back, not a life threatening illness and I have the same life expectancy as anyone else. We also told her that we needed life insurance, not health insurance! She then refused to even take our application and tried to sell us some "hospital stay insurance". In a couple of days, we spoke to management of the credit union and they said that they had no control over the insurance company policies, so we must contact the insurance company, but when I went to their website, all they have is a PO box address! (http://www.familysecurityplan.com) I just looked this up in the ADA: III-3.5000 Discrimination on the basis of association. A public accommodation may not discriminate against individuals or entities because of their known relationship or association with persons who have disabilities. This prohibition applies to cases where the public accommodation has knowledge of both the individual's disability and his or her relationship to another individual or entity. In addition to familial relationships, the prohibition covers any type of association between the individual or entity that is discriminated against and the individual or individuals with disabilities, if the discrimination is actually based on the disability. ILLUSTRATION 1: The owner of a building may not refuse to lease space to a medical facility because the facility specializes in treatment of individuals with HIV disease. ILLUSTRATION 2: If a theater refuses to admit K, an individual with cerebral palsy, as well as L (his brother) because K has cerebral palsy, the theater would be illegally discriminating against L on the basis of his association with K. III-3.11000 Insurance. Insurance offices are places of public accommodation and, as such, may not discriminate on the basis of disability in the sale of insurance contracts or in the terms or conditions of the insurance contracts they offer. Because of the nature of the insurance business, however, consideration of disability in the sale of insurance contracts does not always constitute "discrimination. " An insurer or other public accommodation may underwrite, classify, or administer risks that are based on or not inconsistent with State law, provided that such practices are not used to evade the purposes of the ADA. Thus, a public accommodation may offer a plan that limits certain kinds of coverage based on classification of risk, but may not refuse to insure, or refuse to continue to insure, or limit the amount, extent, or kind of coverage available to an individual, or charge a different rate for the same coverage solely because of a physical or mental impairment, except where the refusal, limitation, or rate differential is based on sound actuarial principles or is related to actual or reasonably anticipated experience. The ADA, therefore, does not prohibit use of legitimate actuarial considerations to justify differential treatment of individuals with disabilities in insurance. ILLUSTRATION: A person who has cerebral palsy may not be denied coverage based on disability independent of actuarial risk classification. Can a group health insurance policy have a pre-existing condition exclusion? Yes. An individual with a pre-existing condition may be denied coverage for that condition for the period specified in the policy. However, the individual cannot be denied coverage for illness or injuries unrelated to the pre-existing condition. Can an insurance policy limit coverage for certain procedures or treatments? Yes, but it may not entirely deny coverage to a person with a disability. Does the ADA require insurance companies to provide a copy of the actuarial data on which its actions are based at the request of the applicant? The ADA does not require it. Under some State regulatory schemes, however, insurers may have to file such actuarial information with the State regulatory agency, and this information may be obtainable at the State level. Does the ADA apply only to life and health insurance? No. Although life and health insurance are the areas where the ADA will have its greatest application, the ADA applies equally to unjustified discrimination in all types of insurance, including property and casualty insurance, provided by public accommodations. Have my rights been violated under the ADA per above? I need life insurance because I no longer have it since I lost my job.

Here is the scenario...Mom and teen son who live with a man( roommate), have been told the room mate is leaving because he cannot afford the rent anymore. (mom pays all the bills, plus all household expenses, food, cooks and takes care of her own bills like car insurance and teenager exposes.). Apt office won't accept another room mate to finish the lease. Mom has three other options, but none of them are "for sure" or solid at the moment: 1, Live with a man who's known her 7 yrs-but it's a two family house and his aunt owns it and lives upstairs-she;s 85. He also has a 21 yr old daughter there full time, and 17 yr old son, all summer, all weekends and 4 hours everyday, after school. She really loves this man, and they met because my dad married the lady that left this man. So they are the "x's".But the house is small and very cluttered and we fear the aunt will say no. 2 there is a possible ( maybe very remote, not sure yet), that a man who heard of the situation, might want to help and get an apt here in town.He's met with mom, and is 10 yrs older, a widower, and seems very serious about offering a place to live here, while he still maintains his own house he rents in NY. Nice older man. 3a friend she's not seenfor years, male, could possibly take her, but it's out of state. They have been telephone friends mostly. She does not want to end up in some homeless shelter. She went to welfare( she is on SSI) social security disability),and she was told to wait for an eviction notice and then they will put her and son in a shelter,, and in that time, they will "help" with rent, if she finds an apartment. There is no section 8 here. What would YOU do?

There is this 40 year old woman that I met on yourube. She has aspergers syndrome as do I as well, For the past 2 months I have sent her emails and text messages. She sends me 10 text messages per day. I currently live in the Los Angeles area and she lives in Portland,or. I'm only 28 years old, She keeps asking me over and over again when I coming to Portland,OR to visit her. Currently I'm unemployed as I have been since May 2008. She has been unemployed since July 2008. Currently I live at home with my parents. This woman lives alone. She said if I come to Portland and we get along she may offer me her living room couch to live on and not charge me. She wants to get me out of my parents house. There are some things that I don't like about her. She stopped going to school after 8th grade. At age 15 she got married and had a child. At age 17 she had another child. She didn't raise her kids. Her grandma and father did. Even though she is uneducated she has been able to have a stable employement history. She worked for Mrryll Lynch for 4 years do home repossesment, In that job she worked at a call center and made $3,300 a month and got health insurance. Her job was to call people who were delinquint with their house payments. She had the people with deliquint payments fax her their checking account statements, credit card statements and car loans. If she felt that the people would be unable to make their mortgage payments she had the home taken away from them. For myself I graduated college with a BA 5 years ago. Becuase of my visable disability employers have descriminated against me. The only jobs I have had are retail jobs. Does this sound like a good or poor match? I have never had a girlfriend before because of my visable disability. This woman sounds very tolerant and feels that my differences don't bother her. My parents think this is a foolish idea to hook up with a woman who is 12 years older than me. My disabilities are mild tourettes, mild cp, aspergers syndrome and a learning disability. I have been driving my own car for 11 years. I have never moved out of my parents house before. My parents don't want me to move to Portland. They think I'm a fool as do my friends. She may be too low class for me.

There is this 40 year old woman that I met on yourube. She has aspergers syndrome as do I as well, For the past 2 months I have sent her emails and text messages. She sends me 10 text messages per day. I currently live in the Los Angeles area and she lives in Portland,or. I'm only 28 years old, She keeps asking me over and over again when I coming to Portland,OR to visit her. Currently I'm unemployed as I have been since May 2008. She has been unemployed since July 2008. Currently I live at home with my parents. This woman lives alone. She said if I come to Portland and we get along she may offer me her living room couch to live on and not charge me. She wants to get me out of my parents house. There are some things that I don't like about her. She stopped going to school after 8th grade. At age 15 she got married and had a child. At age 17 she had another child. She didn't raise her kids. Her grandma and father did. Even though she is uneducated she has been able to have a stable employement history. She worked for Mrryll Lynch for 4 years do home repossesment, In that job she worked at a call center and made $3,300 a month and got health insurance. Her job was to call people who were delinquint with their house payments. She had the people with deliquint payments fax her their checking account statements, credit card statements and car loans. If she felt that the people would be unable to make their mortgage payments she had the home taken away from them. For myself I graduated college with a BA 5 years ago. Becuase of my visable disability employers have descriminated against me. The only jobs I have had are retail jobs. Does this sound like a good or poor match? I have never had a girlfriend before because of my visable disability. This woman sounds very tolerant and feels that my differences don't bother her. My parents think this is a foolish idea to hook up with a woman who is 12 years older than me. My disabilities are mild tourettes, mild cp, aspergers syndrome and a learning disability. I have been driving my own car for 11 years. I have never moved out of my parents house before. This woman has aspergers syndrome. She talks in a monotone voice? She is a nice and caring person. My parents don't want me to move to Portland. They think I'm a fool as do my friends.

There is this 40 year old woman that I met on yourube. She has aspergers syndrome as do I as well, For the past 2 months I have sent her emails and text messages. She sends me 10 text messages per day. I currently live in the Los Angeles area and she lives in Portland,or. I'm only 28 years old, She keeps asking me over and over again when I coming to Portland,OR to visit her. Currently I'm unemployed as I have been since May 2008. She has been unemployed since July 2008. Currently I live at home with my parents. This woman lives alone. She said if I come to Portland and we get along she may offer me her living room couch to live on and not charge me. She wants to get me out of my parents house. There are some things that I don't like about her. She stopped going to school after 8th grade. At age 15 she got married and had a child. At age 17 she had another child. She didn't raise her kids. Her grandma and father did. Even though she is uneducated she has been able to have a stable employement history. She worked for Mrryll Lynch for 4 years do home repossesment, In that job she worked at a call center and made $3,300 a month and got health insurance. Her job was to call people who were delinquint with their house payments. She had the people with deliquint payments fax her their checking account statements, credit card statements and car loans. If she felt that the people would be unable to make their mortgage payments she had the home taken away from them. For myself I graduated college with a BA 5 years ago. Becuase of my visable disability employers have descriminated against me. The only jobs I have had are retail jobs. Does this sound like a good or poor match? I have never had a girlfriend before because of my visable disability. This woman sounds very tolerant and feels that my differences don't bother her. My parents think this is a foolish idea to hook up with a woman who is 12 years older than me. My disabilities are mild tourettes, mild cp, aspergers syndrome and a learning disability. I have been driving my own car for 11 years. I have never moved out of my parents house before. My parents don't want me to move to Portland. They think I'm a fool as do my friends.

Hi I was wondering if you would be able to look at a brief summary of my family situation and give me some suggestions.I want to get insurance but can u recomment some changes in what I presently have. I thank you. I am married and have 3 childern (ages 9, 12, and 16) I just bought a waterfront home which is valued at 500,000 with a 300,000 mortgage. My jewrely is about 10,000. We have 3 cars a 2004 BMW, a 2002 Lexus and 1997 Jeep Wrangler. My husband works at a large manufacturing firm and earns about 125 K. I run a day care center from my home and earn about 45K. I don't have any employees. My kids all go to private school - which costs me about 25 a year. We honestly have no savings or investments and almost no discretionary income at the end of the month. ( which is a main reason I am writing this!) I met with a financial planner and they suggested on purchasing a 50,000 variable life policy for each of us as an investement. I think i am worried about the high vost of these policies This is what is presently covered property risks Ho3 with no endorsements or riders, dwelling 300,000, liability 100,000, medical payments 2500/person, uninsured/underinsured motorist 100,000,collision and other than collision (100 deductible) Personal risks: Life - my husband employer paid group term 50,000, we both have 50,000 universal life policy disability - mr. murphy - employer paid group policy (LTD with a 90 day wait with benefits to age 65) I have no coverage Medical: My husband - employer paid Major Medical (family plan) myself - i have an individual plan and still pay premiums I thank you for whatever you can give me!!

I met with an accident and devolped a foot disability during my surgery. I hold two different policies Life and General insurance and both these policies have coverage for any sort of disability. I am confused whether i can claim for my foot disability on both the policies. Please advice........ http://unblockyoutube.cn/health-insurance.html http://unblockyoutube.cn/health-insurance.html http://unblockyoutube.cn/health-insurance.html

I met with an accident and devolped a foot disability during my surgery. I hold two different policies Life and General insurance and both these policies have coverage for any sort of disability. I am confused whether i can claim for my foot disability on both the policies. Please advice........

I was diagnosed with cancer 4 years ago. I never returned to work because my doctor thinks that I have been too ill. Last year my employer called me up to tell me that they ceased my benefits because they changed insurance carriers. I lost my dental, medical, life and everything else. They gave me no notice...in fact, they told me 10 days after the insurance benefits terminated. I am working with a lawyer, and they are offering to pay me $10,000 for violating the code. They want met to sign a release and indemnity. I think I deserve more. I live in Canada. I am wondering if I should go to court or the Human Rights Tribunal. My lawyer is not fighting the way I need her to do. HELP... I was never terminated as an employee. I live in Ontario, ON. Canada.

I asked the following question before. I got excellent answers, however, many stated I should go to college to find better people. Just to let you know I went to college, I have a graduate degree in Accounting & I still owe $55,000 worth of student loans. I would like to change careers but I'm struggling VERY HARD with my disabilities from my car accident that happened in 2004. I have had 9 operations since & I just came home from the hospital today for the 10th time since. I went because I suffer extremely painful spasms that radiate from my brain stem to the left side of my head. I have Occupital & Trigenimal Neuralgia among other things. If I don't stop the pain the inflamation affects my motor functions & if left untreated I will have permanent brain damage. The car accident was not my fault. The person who caused this 3 car pile up on I-95 (where I was the middle car that landed on the car in front of me and then my car fell backwards) was obligated to pay me via their insurance paid their policy limit which was $100,000 within months of the accident. This just barely covered my hospital bill. My Lexus was totaled. I'm in serious debt from this accident & had to take a huge cut in pay because I physically can't handle what I used to before the accident. My employer said I'm not the same person because of all the mistakes I make (which I never did before the accident). My employer is right (acknowledged by all my doctors), thus, I also have been told by all my doctors to go on disability. I'm working on getting partial disability mainly for protection against discrimination for my current medical condition. I'm allowed to work while partial disability, The limited income threshold from receiving partial disability will help supplement from what I'm making now. As far as religious groups. I have tried but it's hard to be around people when you don't want to feel like a burden because of my ongoing medical problems. Also, the only sibling I had died in the auto accident & my parents can't handle anymore stress so sharing this problem with them would be too overwhelming for them. I know this because I have hinted enough to see what their reaction would be. Finally, I'm 37 with a 15 yr old daughter who's staying with my parents for the first time in her life while I stay close to Nova University to be a guinea pig to receive any treatment available since their a "teaching hospital" in medicine who works closely with John Hopkins. Anyways, with that said, here is my question that I posted several weeks ago. Sorry for the lengthiness. Any help would be greatly appreciated. I'm scared to go to the police about my husband stealing my pain meds(his father is a Miami ex-detective)HELP!? I asked this question before but apparently did not provide enough information. I do not want to snitch on my husband. I have tried to hide the medication but he gets extremely angry (but does not hit me). However, I have been a victim of domestic violence before (where my ex-husband tried to kill my family & stabbed me with a knife) so I don't know if I'm extra fearful about confronting him and/or putting my foot down; I was in counseling (as well as my family) for that for 5 years before I met my new husband who is well aware of my past. I have tried to talk to his family who not only is in denial or "tired of dealing with the problem" as they put it as long as he acts "productive" to them that's all they care about. Plus, he's a "momma's boy" so it's like he can do no wrong. The only time that I know (I suspect there were more now) that he was "busted" by them for abusing pain medication he said the pain medication was mine. However, this pain medication was something he bought online & took a much hire dose in a short period of time & when he ran out of those he vomited so much (as well as experiencing other symptoms) for 4 days before being forced to go to the hospital via ambulance (in front of his parents) & when he got there he was so dehydrated (he couldn't hold even Gatorade) that when his toxicology screen came back for opiates he was "clean." He was honest to the drs at the hospital about his opium use & that's why they suggested he see a GI doctor because his intestinal tract was in such bad shape due to ulcers from the pain med. However, since he also had food poisoning (as well as I but did not suffer because as much because I had a better GI tract) and was given antibiotics his originally suspicious parents believed that it was just food poisoning & that this non-prescribed stash was mine, which has now ruined my relationship with my in-laws even though I told them to blood test me anytime & even offer me a lie detector test. I only take my pain medication when I have spasm from MS, and now occipital & trigenimal neuralgia that I was diagnosed with after a severe 2004 auto accident for which I have had already 9 operations. I never have dealt with someone with substance abuse but due to

I met with a metlife rep and initially he said that I could get insurance and he said it would be 60% of my salary plus they offer a social security benefit and that is IF SS doesnt give me disability, met life will pay an extra 1k. Okay sounds good. I was going to get around 2750 pay out we figured (since im young and in good health)....but he just found out that since I work for the govt (school teacher in a public school) that he can only offer me 1700....and he isnt the first person that i've heard this from..he said that since the state offers me benefits that that is the reason why.... so I looked into it and the state does have benefits but you have to have worked for 5 years and meet some other criteria and then theres some equation they use to figure out how much you would get....my employer does offer disibility insurance through cigna (which I have already, short term and long term) but the reason why I was trying to switch is b/c my policy is nontransferable and I am thinking about the long term...Right now im in my late twenties but lets say when im 40 I change professions and my health is not great, then I am stuck paying a higher premium for disability..I wanted to buy disability and get locked into a rate now.... I dont know if its worth getting the 1700 policy...and it does have something written in it that says it can go up for the first 5 years if you want to pay extra but that is just a few hundred dollars...1700 is a big difference from 2750... 1. do you know of any companies that can still write me apolicy for 60% of my income even if I work as a school teacher at a public school? 2. if not, is it worth buying the 1700 policy for $44 a month (fixed) or should I just wait a few years and see where I am, might be teaching, might be working independently, but even if i am working independently, they said they need 5 years proof of income if you are working for yourself (thats my end goal).

A friend of mine was recently hurt on the job a foot injury. She is out on sick leave and she has been seeing an Orthopedic Dr. My friend is receiving treatment now. She decided to apply for Disability Insurance thru the job they use Met-Life. Does anyone know how long it takes to receive Disability in NYC? The percentage of salary receive, does it depend on the amount the company she works for is willing to pay and/or what the state allows.

My son was born with Ricketts, a metabolic bone disorder that causes him to have soft bones despite his calcium rich diet. His legs are severly deformed, worse than anything I've seen on google image searches. He walks with a bad limp and has pain. He has already underwent several bone surgeries to break bones and reset them in the correct shapes. These were paid for by CHIP. However, to pay for the Iraq war, the Republicans cut funds to CHIP and my son lost his insurance. I applied for Social Security and was denied based on making too much money, although I only make 300% of the federal poverty level and live in the "hood". He needs more surgeries and has to take meds for life. I met well-off couples in the hospitals whose children are on Social Security. Anyone know what I can do?

Hi guys, I was with my son mother for 4 years and our relationship was horrible despite me still staying in it. I recently broke off the relationship for many reason. I met someone I am very much in love with. Now my ex(sons mother) is very unhappy because she realize that she lost something very good. So to get back at me she went ahead and filed for child support. Now I have a court date and I would like to know if this will prove that I take care of my son. I make under 30K and I pay rent and other utilites to survive. I've never been through this but I heard it can be very unfair. But am I on the right track? 1. I kept all my reciepts of clothes, food(milk, baby food etc), basically everything I ever brought my son before he was born til now and this is wkly. 2. He's always been on my health insurance. 3. He is the benificery of my Life Insurance, Disability, 401K, and some other things. 4. I took out a college plan(529 College Fund) since he was born. Will I be ok I live in NY. And we never got married. If they take out money I dont care I will still take care of my son. I just find it unfair that someone would go that far to be spiteful. She does'nt have a job, she lives with her mother and her mother still support her. She has no ambition to get a job sadly.

I never met my father, i don't think he has any money, but i'm wondering if i'll get any loot when he croaks. He has a disability discharge.

I have the option of signing up for long-term disability insurance through my place of employment. When I was young and single, I really never considered insurance much. However, now that this once wild stallion has been domesticated into family life, it seems that there are other concerns that need to be met, such as ensuring continued support for my family in the event that something should happen. I still think insurance is a scam, but apparently a necessary evil these days. For those of you who question my willingness to label insurance as a scam and necessary evil, I recall first hand the dilemma my mother had after a severe accident. Despite having paid her premiums on time and being declared as disabled after the accident, the insurance company did everything it could to weasel out of paying her the premium. She had to get a lawyer and fight it in court, eventually winning, but not without legal costs. Hence, my view of insurance companies.