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Jun 8, 2011 05:11AM
I think it's a wierd place to be. I have terminal cancer. I'm perfectly healthy and active. I don't look like I'm dying, and for all we know, I'll outlive them all. But I have to face reality that with this disease things can change quickly. I got a taste of that when I went from normal TM to 300 point gain in 3 months which led to the discovery of mets to nearly every thoracic vertabra. OK. So I can deal with that, but it's sure a wake up call to get my affairs in order. You all may know all of this, but I'll post it here for your consideration. (I have to know my affairs are in order to stay sane, I HAVE to have a plan)
I work full time and carry the health insurance on hubby and I. I've called two insurance companies. Because Hubby is self employed he can get group insurance. It is pricey, but do able. With a group policy I can be added when the time comes. It is more cost effective for us to stay on my employer's policy as long as possible, then get hubby a group policy of his own. Only when I must quit work and file for SSDI will I join his group policy. That will cover me for the two years until I qualify for Medicare. It's all kind of expensive, but it's doable.
The group plan I prefer is a $2500 HSA. The first $2500 is out of pocket. After I have paid all expenses, including drugs, up to $2500 the insurance pays 100% of all costs after that. It is recommended you have at least $2500 in an HSA account, but it not required. I really like this because it caps my out of pocket expenses. No more $40 OV co-pay, no more script expense, just pay the monthly premium and whatever cost I encure over the year up to $2500. On a good year that could very little, on a regular year I could max out. I like this cost contaiment feature.
I have two life insurance policies, one through work and one is a 30 year level term. When I file for SSDI I will also file for advance benefits on my life ins. The 30yrLT will "lend" me up to 50% of the policy. The balance will pay my burial expenses. The policy through work will allow me to cash out 100%. This money will help cover the loss of my income and the cott of the insurance premiums.
I just can't bring myself to do it just yet, but if my prognosis changes I'll consolidate all my accounts with my husbands. I love him, I trust him, but there is just that little bit of me that really likes my complete financial independence.
Because I live in Kansas with no heirs I don't really need a will. I actually own nothing but half a car, and half a truck and have no outstanding debts. Hubby will automatically accquire all my worldly possessions. I'm sure he'll look good in a size 12 dress! *LOL*
I have a living will.
I have a folder started with my favorite psalms and such for my funeral.
So far I haven't come up with any more ideas. I think I've covered most of the bases.
Chocolate for Breakfast! Mets to lots of bones, sternum, marrow, both lobes of liver, and 5 tumors in my brain.
11/2/2009, IDC, 2cm, Stage IIB, Grade 2, 3/9 nodes, ER+/PR+, HER2-
3/11/2011, IDC, Stage IV, mets, ER+/PR+, HER2-