We're sorry but your request has been denied....

In preparation for his retirement, (I know he's too young but in his line of work, you are elligible after 20yrs and must retire by a certain age) my husband has been reviewing and double-checking to make sure all is in order. He discovered that there was some oversight and there were no life insurance policies for 'A' and me. So, he completed and submitted an application for the two of us. A few weeks later, my application was excepted and my coverage began but 'As' application was still being reviewed. We began to wonder and then worry... Could they really deny a 10yr old child coverage and why? Well, if you recall filling out applications for life insurance policies, there are some questions that ask if you have any on-going illnesses..etc, and any kind of mental illness. Well, you know what happened...

So, here it stands....my 10 year old child, who other than her bipolar diagnosis, is a very healthy girl, cannot get life insurance and I'm sure this will follow her for the rest of her life. It sickens me that many living with mental illness, in spite of being completely functional, professional, and successful, better start putting money aside as soon as they become adults because their families will have to carry the heavy burden of their burial and other expenses. I think I'd like to retract the word "sickens", and insert infuriates me..... that ignorant rich bastards are making these determinations and often devastating families when they are left to see to these people when they pass away.

I don't mean to sound morbid but just "keeping it real".....I don't understand why one with a mental illness is not covered because the only obvious risk/fatality involved would be suicide and...someone please correct me if I'm wrong, suicide deaths are not covered under life insurance policies. Ughhh!!!! People with Mental illnesses can/do get sick and injured and sadly, succumb to illnesses and accidents just like "normal" people. Having a mental illness does not make one more susceptible!!!!!! A lot of work needs to be done to educate the world and abolish these horrible stigmas!!!!

Should I even bother to appeal?

Next post will be about 'A' and the return of instability....