http://www.heart-valve-surgery.com/heart-surgery-blog/2009/05/19/life-insurance/ Former Patient And Author, Adam Pick, Blogs About Heart Valve Replacement And Heart Valve Repair Thu, 09 Feb 2012 06:18:04 +0000 hourly 1 http://wordpress.org/?v=3.3 http://www.heart-valve-surgery.com/heart-surgery-blog/2009/05/19/life-insurance/comment-page-1/#comment-31414 Paul Tue, 23 Nov 2010 15:30:05 +0000 http://www.heart-valve-surgery.com/heart-surgery-blog/2009/05/19/life-insurance/#comment-31414 Yes, I agree with Ken that Disability Insurance (DI) in many ways is more important than Life Insurance. I had Mitral Valve repair surgery in December of 2009 and have been trying to get reasonably priced DI since July of this year to no avail. Even though my surgery went very well, was only out of work for two weeks, I'm in a low risk job (computer programmer) and I've never had a Disability claim almost all of the main DI providers will not even consider me. Those that due are looking for outrageous yearly premiums in excess of $ 5000 annually for coverage based on a $ 50,000 salary (much less than my actual income). Its very disheartening (no pun intended) that the underwriters for these companies are not aware of the rapid advances in this area resulting in normal life spans. I'd really love to hear from others who have tried to obtain DI after heart surgery. Yes, I agree with Ken that Disability Insurance (DI) in many ways is more important than Life Insurance. I had Mitral Valve repair surgery in December of 2009 and have been trying to get reasonably priced DI since July of this year to no avail. Even though my surgery went very well, was only out of work for two weeks, I’m in a low risk job (computer programmer) and I’ve never had a Disability claim almost all of the main DI providers will not even consider me. Those that due are looking for outrageous yearly premiums in excess of $ 5000 annually for coverage based on a $ 50,000 salary (much less than my actual income). Its very disheartening (no pun intended) that the underwriters for these companies are not aware of the rapid advances in this area resulting in normal life spans. I’d really love to hear from others who have tried to obtain DI after heart surgery.

]]> http://www.heart-valve-surgery.com/heart-surgery-blog/2009/05/19/life-insurance/comment-page-1/#comment-9872 Ken Wed, 20 May 2009 01:33:21 +0000 http://www.heart-valve-surgery.com/heart-surgery-blog/2009/05/19/life-insurance/#comment-9872 Disability insurance may be more important than life insurance. We all want to leave our loved ones something if we are not here to provide for them, but long term disability could leave our family in a much worse financial state than death. Disability insurance may be more important than life insurance. We all want to leave our loved ones something if we are not here to provide for them, but long term disability could leave our family in a much worse financial state than death.

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