Supreme Court Upholds Health Care Mandate

[firstdown]

Originally Posted by mlmpetert

What would you propose as prettier?


This guys story is a little odd too. If anything he should sue the hospital or the insurance company for not going foward with the surgery.

Everyone knows he would have been covered under COBRA so im not sure why the surgery would have been canceled. It almost sounds like he canceled the surgery because he didnt think he would have been covered, which would have only been true if he was fired for gross misconduct. Perhaps "falsifying his time records" suffices as gross misconduct?

Regardless a charity (i wonder if it was a disgusting Christian charity???) ended up paying his COBRA premium, although the article doesnt say if his daughter ever got the surgery. Maybe she got the surgery an inconsequential amount of time later? I wonder what type of cancer she had?

And this guy had life insurance on his daughter (and it sounds like other kids). Ive always questioned the practice of getting life insurance on your kids and unless it was a "free" employee benefit i would question the purpose of the life insurance in this instance. Oddly a charity (pleeeease dont let it be an evil Christian one) payed for this guys COBRA premium, but he apperantly had money to pay the premium for his dying daughter's life insurance of which he was the beneficary.

To me the life insurance sounds like the whole basis of the lawsuit. He got fired and Wells Fargo didnt give him timely info on how to extend his dying daughters life insurance.

I sell alot of life insurance on children. I can do a 100,000 pernament life policy for next to nothing and its something they can keep for the rest of their life. It guarantees them the coverage for life at a low cost. People also use them as a way to save for college. The cash accumulates tax free and you can take the cash out without paying taxes as long as you keep the policy inforce.

I don't understand why he would not have just paid the cobra premium if she had to have the surgury. I also question if his health ins. is canceled the day he is fired. I would think the health ins. com would have to formally inform them of cancelation. I don't sell health ins. so I'm not sure how these group plans work. I do sell some other group policies and the employee is not canceled the day they are let go on those type policies. Also if he paid part of the premium it seems that he would have coverage util the next bill cycle. I hate to say it but it looks like he is trying to profit off his daughter death.

[mlmpetert]

Originally Posted by firstdown

I sell alot of life insurance on children. I can do a 100,000 pernament life policy for next to nothing and its something they can keep for the rest of their life. It guarantees them the coverage for life at a low cost. People also use them as a way to save for college. The cash accumulates tax free and you can take the cash out without paying taxes as long as you keep the policy inforce.

I don't understand why he would not have just paid the cobra premium if she had to have the surgury. I also question if his health ins. is canceled the day he is fired. I would think the health ins. com would have to formally inform them of cancelation. I don't sell health ins. so I'm not sure how these group plans work. I do sell some other group policies and the employee is not canceled the day they are let go on those type policies. Also if he paid part of the premium it seems that he would have coverage util the next bill cycle. I hate to say it but it looks like he is trying to profit off his daughter death.

I always thought you just sold car and homeowners insurance?

Ive always been against life insurance as an investement, unless its for estate planning or for a spendthrift who has to be forced to save. Thats just my personally biases though.

If guy was using the life insurance for his daughter (and other kids) for investment/savings/college purposes i find it odd that it would be offered through work. Ive never heard of anything besides term being offered to non-executive employees. Have you ever heard of a non-term insurance product for kids of employess?

I imagine its got to be the hardest thing in the world to lose a child slowly like that to cancer. I feel horrible for the guy, his family and everyone else involved. Im sure if i was in that position i would want someone to sue because it at least offers some sort of accountability. If all you can think about is your daughter dying youd want a better reason than just life isnt fair. So while im not a big fan of life insurance for kids i dont blame the dad.

The real blame i have is that the huffington post allowed a journalist to write a story on something thats purely an emotional ploy to blame evil corporations and the ugly side of capitalism these greedy corporations purposely exploite to destroy lives.