Right now I am experiencing first hand what it is like to max your deductible, co-insurance and hit your stop loss on health insurance. Have both OHE and Individual DI kick in and look at having waiver of premium begin on my life insurance policies. I am currently in a wheelchair, cannot drive, cannot walk, cannot climb stairs, can't bathe without assistance, can't visit clients or attempt to gain new ones.
But, when NYL asked me in writing in determining if I meet the definition of disability for my life policies, the realization that they will honor that rider can down to a crashing ha
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But, when NYL asked me in writing in determining if I meet the definition of disability for my life policies, the realization that they will honor that rider can down to a crashing ha
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