I speak of insurance. I saw patients for insurance companies for ten years so I know of what I speak. When you are sold a policy you are assured of the nurturing you will receive when your need arises.What they don't tell you is they always begin with "No". It is as wide as the word and specific to insurance of every ilk. My father years ago bought an accident life insurance policy through Eaton's department store for a monthly payment of 7 0r 8 dollars. He was 60 at the time and assiduously paid his premium for 20 odd years. He fell rushing to the toilet in his apartment to pee and broke his hip acetabulum and my mother and her friend in the middle of the night carried him back to bed. He was admitted to hospital and died the following day. About a month later my mother said to me, " Dad had an accident policy he had been paying for, for years." Mum, I said, " Dad was an old man and had bad emphysema and periodic gastrointestinal bleeding."
"Nevertheless," she said. "He still had an accident and broke his hip bone. He paid his payments for years and it was for one hundred thousand dollars." I told her I would write to the insurance company and explore making a claim. I did so and after a time I received a letter with official denial of the claim. They began with "No". Despite my lousy attitude I phoned my lawyer and he said I would need a deposit of 6 thousand to sue them and so mother and I were on tap. To make a long story short, two years later we collected 95 thousand dollars for her after a blizzard of confrontations. It is true he was an old man with medical conditions but the Coronor's report said , "death secondary to accident." The Oxygen man's note for the day of the accident said, " Mr. Warren doing well and washing dishes." And my mother confirmed those observations at the Examination for Discovery . They started at fifty thousand and we started after the delay, loss of interest,
family despair, at one hundred and eighteen. We ended up at 95. My advice is always listen to your mother and stick to your guns once you have knowledge on your side and realize they always begin with "No"!
"Nevertheless," she said. "He still had an accident and broke his hip bone. He paid his payments for years and it was for one hundred thousand dollars." I told her I would write to the insurance company and explore making a claim. I did so and after a time I received a letter with official denial of the claim. They began with "No". Despite my lousy attitude I phoned my lawyer and he said I would need a deposit of 6 thousand to sue them and so mother and I were on tap. To make a long story short, two years later we collected 95 thousand dollars for her after a blizzard of confrontations. It is true he was an old man with medical conditions but the Coronor's report said , "death secondary to accident." The Oxygen man's note for the day of the accident said, " Mr. Warren doing well and washing dishes." And my mother confirmed those observations at the Examination for Discovery . They started at fifty thousand and we started after the delay, loss of interest,
family despair, at one hundred and eighteen. We ended up at 95. My advice is always listen to your mother and stick to your guns once you have knowledge on your side and realize they always begin with "No"!
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