Happy New Year to each of you. I hope 2023 offers you good health and happy memories. Talk about resolutions and make plans for 2023 to be a good year to look back on.
Ruth did not end 2022 on a happy note. I have not told you about Ruth’s brother, Greg. About five years ago a tree fell on his leg. The accident, in combination with his diabetes, required that his leg be amputated up to his knee. Greg never really got used to wearing his prosthetic. It seemed like he seldom felt good; there was always something bothering him. Even though Greg was retired, he had always been active before his accident (he was a young 70 year old). In late 2022 Greg really started having health problems. He required injections every couple of hours at home. His wife, Toni, worked. Financially she had to continue working. Friends (including Ruth) took shifts every day giving Greg his injections while Toni worked. Greg and Toni were wonderful people. Like many, they did not save for retirement or unexpected expenses they might have (like the every 2 hour injections he needed). Greg continued to feel bad. After going to several doctors with no diagnosis or treatment, he finally found a doctor who thought he knew the problem. An exploratory procedure was performed which confirmed that he had an infection in his brain that was not treatable. Ruth continued to see her brother every day. She always took a smile and an uplifting, loving conversation trying to put a smile on his face. Greg was buried two days after Christmas. Ruth is continuing to help Toni, his wife/widow. When Greg worked, he had life insurance through his employer. When he retired, he lost that life insurance. That was the only life insurance he had (like so many, he depended on his employer for medical and life insurance). When he retired, he enrolled in Medicare and Medicare plans. He didn’t think about life insurance; it was simply overlooked. Greg overestimated the cost, thought it was more than he could afford and didn’t get any details. Even though Greg’s wife, Toni, is turning 65 this year, she must continue working. She is losing his monthly income she depended on. If you know Ruth, be prepared to get a call from her suggesting you review your life insurance and that you have enough so that your family is not put in a financial burden when you die. Yes, Ruth, has reviewed her life insurance. She feels she has enough life insurance to do what she wants – not a huge amount. Enough to pay any outstanding bills like credit cards, continue the care and insurance on her house and car until they are sold and monies to the charities and friends who touch her heart. Please think about Gary and Toni - have peace with the plans you’ve made. If you want to talk, always feel free to call 501-868-6650 and say “Caroline, can we talk?”
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AuthorCaroline Beauchamp specializes in personalized life and health insurance solutions. Archives
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