Skip to main content

Disibility insurance on my mortgage

I was just told my disability insurance on my mortgage has been declined once again because I have Fibromyalgia.  Which I find ironic because any time I have been disabled it is from chronic migraines.  Although FMS certainly does not help, I have never taken off work for it.  But I knew I would be declined.

My spouse likewise was turned down.  Two and a half years ago he had kidney cancer, in the first stage, they chopped it out and that is that.  Recently he had surgery on his toe for arthritis.  And I suspected not enough time had passed since his cancer for them to sign off on that, so he was declined for that.  he was also declined because of arthitis.... his toe arthritis.  Insane.  And he is the one I would want insurance on because he is the high income earner.  And therefore insurance on such a large amount is something I want coverage for. 

I do put coverage on everything else though because when I do go on leaves from work it is not a 100% coverage for long, so having some products covered helps a great deal with stressing about my budget.
1 comment

Popular posts from this blog

Signs the pain is getting the best of you

100 Symptoms of Fibromyalgia

There was a site that had this and I had linked to it on Tumblr but it is gone. So I had to hunt down someone who found my post and posted the whole thing in a forum. Anyway it is around but I'm posting it here so I will not have to hunt it down to reference it. Now we all know the major symptoms are the wide-spread pain, but our pain isn't just muscle pain... it can be nerve types of pain as well, and the fatigue and the insomnia. And even among symptoms there are some far more frequent than others, but it should be said we have categories... like the cognitive dysfunction, which is a broad one that has more than one symptom and we often just say fibrofog. The insomnia... more than one sleeping disorder. So the list is interesting.




GENERAL
__ Fatigue, made worse by physical exertion or stress
__ Activity level decreased to less than 50% of pre-illness activity level
__ Recurrent flu-like illness
__ Sore throat
__ Hoarseness
__ Tender or swollen lymph nodes (glands), especiall…

When I say I am good

When people ask me how I am feeling 99% of the time I am lying. I often say 'not bad', because I feel it is slightly more honest than 'good' or 'fine'. Got sick of fine. Anyway, I lie for many reasons. 



I'm having a good pain day: They happen and I'll say that I'm good, fine, not bad. I even feel like I can accomplish great things... in moderation. In which case, relatively speaking, for Me I am not actually lying. This is a Good pain day, it is Not Bad for me and I am Fine with it. I just don't want to explain: I just don't want to explain how crappy I feel and in which way I mean. Because I am tired of it. I just want to deal with it, without having to discuss it, mention it or have any sympathy expressed about it. Because it can be complicated. It may be a migraine with specific symptoms. Maybe it is a FM flare though. Or both. And then I have to explain what it is because most people think my migraines are the main issue but I could be FM…