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Posted on 1/4/17 at 4:06 pm to lsunurse
quote:The Badminton on Wii is hardcore.
The injury was me falling while playing Wii fit and badly spraining my foot in the process
Posted on 1/4/17 at 4:06 pm to Sao
Yes
Posted on 1/4/17 at 4:06 pm to dcrews
I think what I've got is a bit different than Aflac. Instead it's like short term disability. I will say this though, it's been very nice not having to worry about money during this whole ordeal I've been going through the past couple months.
Posted on 1/4/17 at 4:10 pm to Darth_Vader
My AFLAC policy is not going to pay anything on my open heart surgery from last month because it did not involve a heart attack or bypass.
Open heart surgery and a cracked sternum by a world renowned specialist, resulting in five inches of a new woven polyester aorta segment and a cleaned up bicuspid valve... is not good enough. Zero coverage.
The prior heart cath showed no blockages whatsoever. If they would have fixed even one tiny blockage, it would have paid out a specified amount of a few thousand dollars plus some towards my hotel stay and nearly 50 cents per mile for travel(my surgery was in NYC).
But for me, nada.
Open heart surgery and a cracked sternum by a world renowned specialist, resulting in five inches of a new woven polyester aorta segment and a cleaned up bicuspid valve... is not good enough. Zero coverage.
The prior heart cath showed no blockages whatsoever. If they would have fixed even one tiny blockage, it would have paid out a specified amount of a few thousand dollars plus some towards my hotel stay and nearly 50 cents per mile for travel(my surgery was in NYC).
But for me, nada.
Posted on 1/4/17 at 4:15 pm to iglass
quote:
My AFLAC policy is not going to pay anything on my open heart surgery from last month because it did not involve a heart attack or bypass.
Open heart surgery and a cracked sternum by a world renowned specialist, resulting in five inches of a new woven polyester aorta segment and a cleaned up bicuspid valve... is not good enough. Zero coverage.
The prior heart cath showed no blockages whatsoever. If they would have fixed even one tiny blockage, it would have paid out a specified amount of a few thousand dollars plus some towards my hotel stay and nearly 50 cents per mile for travel(my surgery was in NYC).
But for me, nada.
Damn. My first open-heart surgery was a double bypass and replacing my mitral valve with an artificial one. A week later they had to go in and do an emergency second surgery to drain blood from the membrane that surrounds my heart. It had filled up to the point my heart could not pump any longer, thus the coding out.
As for my policy, I think all it takes to kick in is for me to be under the care of a doctor and out of work for at least 30 days and not over 90 days. If I am out after 90 days, then I have to go on long term disability.
Posted on 1/4/17 at 4:26 pm to Darth_Vader
Damn Darth, glad you came out of that okay.
Sternum precautions of no lifting or straining to use your arms goes for 6 weeks post-op. The physical stress of handling a bike like yours will require more healing time. Give it the 6 months, and try to think about anything other than riding.....
good luck with that.
Sternum precautions of no lifting or straining to use your arms goes for 6 weeks post-op. The physical stress of handling a bike like yours will require more healing time. Give it the 6 months, and try to think about anything other than riding.....
good luck with that.Posted on 1/4/17 at 4:32 pm to G Vice
Thanks. Rib and sternum pain is what I'm dealing with now. I'm prescribed Oxycodone 80 mg butctry to limit myself to only one a day.
Posted on 1/4/17 at 4:40 pm to Darth_Vader
I didnt even realize that my wife had a short term disability policy with AFLAC. she paid a few bucks a month for it.
When she got pregnant, after two weeks maternity leave, she claimed against it and we got a really big check that was written to her. Cash money ballin!
When she got pregnant, after two weeks maternity leave, she claimed against it and we got a really big check that was written to her. Cash money ballin!
Posted on 1/4/17 at 4:43 pm to Sao
I used to have it and it was worth it in my situation..... they paid quickly.... I paid half and employer paid half....
Posted on 1/4/17 at 4:54 pm to dukke v
I didn't have Aflac, but had another short&long term disability insurance. Was costing me around $12 a month. Thank God I had it. Been collecting it the pass 6 years which at the time was 66% of my pay. I was making 100K+ a year back then. I will collect that till I reach the age of 70 if I live that long. 
If I kick off before 70, the wife will get 50% till she is 70.
If I kick off before 70, the wife will get 50% till she is 70. 
Posted on 1/4/17 at 4:59 pm to Sao
Yes. I have supplemental cancer insurance at about $15 a month through my wife's employer.
Coincidentally, I had stage IV Lymphoma about 2 years after we bought the coverage. It was the best investment I ever made. It saved my finances and carried us through some tough times. The policy paid me over 60k during that 1 year period. But I was inpatient at Emory for over 70 days. It paid $500 a day for that alone. I received 10k for the stem cell transplant. The balance was paid out on infusions, etc.. Her plan had a $2500 deductible and 100% coverage after that. Cancer sucks but at least I got paid for it.
This thread aside, I have always told people that they should get it if available through an employer.
Coincidentally, I had stage IV Lymphoma about 2 years after we bought the coverage. It was the best investment I ever made. It saved my finances and carried us through some tough times. The policy paid me over 60k during that 1 year period. But I was inpatient at Emory for over 70 days. It paid $500 a day for that alone. I received 10k for the stem cell transplant. The balance was paid out on infusions, etc.. Her plan had a $2500 deductible and 100% coverage after that. Cancer sucks but at least I got paid for it.
This thread aside, I have always told people that they should get it if available through an employer.
Posted on 1/4/17 at 5:09 pm to Sao
Yes I bought the wife and I a cancer policy years ago,to,help a friend who was in the biz. Unfortunately we had to use my wife's policy when she contracted breast cancer a few years back. It was a godsend to receive the cash payments to help cover the normal gaps in coverage . Out story has sold all of my friends on Aflac and if you don't have some kind of supplemental insurance you should look in to it.Aflac was very easy to deal with and paid us in excess of 20,00 for our ordeal.
This post was edited on 1/4/17 at 5:10 pm
Posted on 1/4/17 at 5:18 pm to dcrews
quote:
Supplemental insurance that pays cash directly to you instead of the doctor/hospital/etc....
Or at least I believe that's how it works. I've never actually used it.
that's exactly what it is.
they have separate policies for everything though.
so to get "full coverage" would be expensive as hell.
I have the accident policy through work because my two sons are freaking insane.
have made a few claims in the 10-12 years I've had the policy.
Pretty good policy if you use it as it was intended and use it to cover the portion of your bill that insurance doesn't cover.
Because the insurance policy i have is really damn good, I typically can turn a profit (usually only $20-$30) with an AFLAC claim
Posted on 1/4/17 at 5:24 pm to fishfighter
quote:
6 years which at the time was 66% of my pay. I was making 100K+ a year back then
That's not bad.....
Posted on 1/4/17 at 6:24 pm to dukke v
For a fact it works. Paid the premiums thru my employer. Lost my right kidney to cancer and they paid over ten grand to me. Had great medical thru the company so this was a great thing. Aflac did exactly what they said they would do.
Posted on 1/4/17 at 6:40 pm to mallardhank
quote:
Aflac did exactly what they said they would do.
My mom bought a cancer policy from a family friend years ago. It provided for payment each day she underwent treatment. She was diagnosed with lung cancer 5 years ago. Her treatment, until recently when it stopped working, was a daily pill. Aflac paid her for every day she was on that med once she finished radiation . Pretty sure those policies have been revised now.
But yeah, no complaints from my family.
Posted on 1/4/17 at 7:00 pm to TigerGrl73
quote:whoa
TigerGrl73
and its good to e-see you
This post was edited on 1/4/17 at 7:01 pm
Posted on 1/4/17 at 7:09 pm to Sao
We recommend our hourly employees get it.
We pay 50% and if they pick up more than two of the policies we pick up 60%. If they have more than 20 years with the company we pay 80%.
For the younger guys it is something that I try to preach to them about looking to the long term. I am anti-insurance more than most and think it is just a tax. However, most of these hourly employees live paycheck to paycheck and can't go a week without one.
We pay 50% and if they pick up more than two of the policies we pick up 60%. If they have more than 20 years with the company we pay 80%.
For the younger guys it is something that I try to preach to them about looking to the long term. I am anti-insurance more than most and think it is just a tax. However, most of these hourly employees live paycheck to paycheck and can't go a week without one.
Posted on 1/4/17 at 7:13 pm to Sao
No. There is a point that you can be insurance poor. If you have good hospitalization and a good paid leave plan with your company, you don't need AFLAC. Waste of money.
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