Had a Washington National client whose 62 year old husband was recently diagnosed with bladder cancer. I had convinced them to by a cancer policy 27 months ago. They did surgery, taking out part of his bladder 3 weeks ago. Last week, they went back in, removed the rest of the bladder, a kidney and his prostate. He is still in the hospital as of this morning.
They both work construction and while they have Major Medical, they have nothing to replace lost income. One of the client's supervisors told her if she did not return to work the day after labor day, they would replace her. I told her they could not do that and told her about the Family Leave Act. She contacted the HR department and they said she could take off 12 weeks (unpaid) and her MM insurance would continue as if she were working. But she still wondered how she would pay her share of the premiums as well as their other bills. Like many people they made could money but had not savings of consequence.
I filed a claim with WN last Wednesday, this morning I was able to call her to tell her there was a $10K Express Pay check on the way. (The plan will pay much more as we get the itemized statements from the providers.) She was at Walmart getting some things together before she returned to the hospital. When I gave her the news that the check was being put in the mail, she broke down and started sobbing. She said that relieved so much of the worry she was going through, afraid they would lose everything they had including their home.
Later in the morning her mother called to thank me. She too, was crying as she spoke with me.
I have paid major medical claims, death claims, disability claims and several cancer/CI claims over the years. Only the cancer claims seem to evoke this type of immense emotional response. Some people say cancer insurance is a bad buy. Try telling that to this family.
They both work construction and while they have Major Medical, they have nothing to replace lost income. One of the client's supervisors told her if she did not return to work the day after labor day, they would replace her. I told her they could not do that and told her about the Family Leave Act. She contacted the HR department and they said she could take off 12 weeks (unpaid) and her MM insurance would continue as if she were working. But she still wondered how she would pay her share of the premiums as well as their other bills. Like many people they made could money but had not savings of consequence.
I filed a claim with WN last Wednesday, this morning I was able to call her to tell her there was a $10K Express Pay check on the way. (The plan will pay much more as we get the itemized statements from the providers.) She was at Walmart getting some things together before she returned to the hospital. When I gave her the news that the check was being put in the mail, she broke down and started sobbing. She said that relieved so much of the worry she was going through, afraid they would lose everything they had including their home.
Later in the morning her mother called to thank me. She too, was crying as she spoke with me.
I have paid major medical claims, death claims, disability claims and several cancer/CI claims over the years. Only the cancer claims seem to evoke this type of immense emotional response. Some people say cancer insurance is a bad buy. Try telling that to this family.
