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herbiggirlpants

~ the new reality of a "70 something"

herbiggirlpants

Tag Archives: insurance

uninsured…

09 Thursday Jan 2025

Posted by sulis303 in business, health, life, moments, retirement, technology, Uncategorized

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big girl pants, Canada Post, house, insurance, mail, moments, paid, Technology, uninsured, widow

so, in today’s Canada Post mail, I received a letter from my house insurance company advising that a payment was due on December 14th…

the date on the letter was November 23rd…

I called my insurance company right away and paid the invoice over the phone…

my first question to my agent was whether the house had been uninsured since mid December…

thankfully the house was covered…

I have now entered the date for the next payment to be sure it doesn’t get missed, lol…

bath…

09 Friday Aug 2019

Posted by sulis303 in family, food, health, life, loss, nature, Photography, technology, travel, Uncategorized

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bath, beloved, big girl pants, bugs, car wash, credit union, errands, eTransfer, Indi, insurance, shopping, widow

this morning I ran a number of errands…

paid for my house insurance… it had been in both our names, but after my beloved died and they changed it to my name only, the birthdate was still his… cost me more money when I advised that I wasn’t that age, lol…

also changed over my car insurance to have the payments come out of the bank automatically, as MPI has stopped taking the monthly amounts from credit cards…

went to the credit union where they put a cheque in and immediately made a payment onto my credit card… handy, as there was no need to wait any additional time… added a few accounts and discovered that I could send up to $3,000 via eTransfer, although I am still ticked that they charge for that service…

took Indi for a bath, which she really needed as she’s been driven to Kenora twice in the last while and was covered in bugs…

finally picked up a few groceries before heading home… nice to get all that over with…

then there was eating, tv watching and napping…

neighbours…

26 Friday Oct 2018

Posted by sulis303 in family, food, health, life, loss, nature, Photography, technology, travel, Uncategorized

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adapt, appointment, big girl pants, breakfast, buddy, English Garden, friend, geese, halloween, honking, insurance, Leo Mol Garden, neighbours, widow

this morning I started my day at the clinic doing bloodwork before my next appointment…

on my way back to the car I kept having to stop and watch the geese flying overhead… I cannot keep from looking up when I hear them honking…

then I met up with my walking buddy… we had breakfast at The Park Cafe, and noticed that all the geese that usually spend time in the pond were off filling up somewhere else, lol… afterward we wandered through the English and Leo Mol Gardens which are rather sad just now but it was great to be outside…

I dropped her off and we checked out her newly renovated garden… as I was leaving I got this pic of a neighbour’s Halloween decorations;-)…

when I arrived home, had a lovely visit with one of my neighbours… haven’t been outside at the same time for ages so it was great to catch-up… they usually spend a few months at their property in Arizona but with health issues they can’t get insurance so will be selling… they do have a winterized cottage just outside the city, so will spend time there…

seems like we have to adapt quite a bit as we get older…

broke…

28 Monday May 2018

Posted by sulis303 in family, food, health, life, loss, nature, Photography, technology, Uncategorized

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big girl pants, broke, early, filling, insurance, moments, purple, tooth, widow

early start to the day with a dentist appointment for a filling…

usually my teeth are in great shape and the regular cleaning and check-ups keep any cavities away…

unfortunately last time I was in, she noticed a broken piece on one of my back molars… I hadn’t been wearing my mouthguard as much as I am supposed to, which might have been the problem…

let me tell you I’ve been wearing it every night since… don’t want any more broken bits, sigh…

this morning she was sad when she realized which tooth it was, because I gag easily, so doing work at the back of my mouth is always stressful… for me and for her… she doesn’t want to cause any unnecessary stress or strain on me if at all possible…

whenever she does a procedure on my teeth she works quickly and takes frequent breaks so I can breathe… this is one of the reasons that I found a dentist who dealt with “chickens”… and they love purple;-)… at the water station they have the cutest little purple cups…

today it went well until they were removing some of the stuff they had stuck into my mouth, lol… but, I survived…

I don’t have dental insurance and usually what I pay for 3 cleanings and check-ups is less than the insurance… today’s bill was more than anticipated, but worth it to stop any further decay…

once I got to the office I had a blueberry smoothie, which was purple too…

loose…

09 Friday Jan 2015

Posted by sulis303 in health, life

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big girl pants, dietitian, doctor, glucose, insurance, loose, pants

having a problem with my pants… they are getting very loose…

not long ago I had to pin up a pair at work because I was afraid they might fall down…

ones that did fit better are now getting quite loose as well…

think I may need to go out and get a couple of pairs of smaller ones although I do worry whether I can actually fit into the next smallest size…

2015/01/img_0196.jpg
continue to have more energy and my glucose levels are levelling out…

a few days ago I spoke with my health care insurance providers and discovered that they need a letter from my doctor and will then cover the cost of the strips, which are expensive… looking forward to getting the letter from the doctor when I see her next week… I also need her to include a request for an appointment with a dietitian…

seems like you need a doctor’s letter to get most anything from the insurance company…

teeth…

17 Friday Oct 2014

Posted by sulis303 in life, Uncategorized

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big girl pants, cleaning, dentist, George, insurance, mouth guard, teeth

thank goodness it is Friday…

had things on early three mornings in a row… today it was the dentist…

I do not like visiting the dentist, but I have gone every three to six months for the last 35 years… I had a few very bad experiences in my early twenties and made the decision to face my fear of dentists and be sure to get regular check-ups so I wouldn’t have to deal with any big issues…

lucky for me, my teeth are good, so I haven’t had too many problems…

unlike George… I think his teeth were made of marshmallow… he had at least two or three fillings in each of the teeth he had left… we do think we sent his dentist on a number of vacations over the years…

my insurance coverage from George’s work ran out in March and the new plan I was finally able to get doesn’t include dental… mainly because it was going to cost an additional hundred dollars a month and it seemed more sensible to just pay for my check-ups…

was quite worried that my front tooth might need a crown so was very happy to hear that the problem was staining from tea… hurray:-)…

unfortunately she did find a small cavity so I have to go back in a couple of weeks… I know she isn’t going to hurt me, but I will still be grasping the arms of the chair through the entire procedure…

have been wearing a mouth guard for a few years and will continue to, as it helps keep my teeth from grinding and wearing down the enamel…

IMG_8864.JPGhow lucky I am to have access to good dental care…

paperwork…

09 Wednesday Jul 2014

Posted by sulis303 in life, Uncategorized

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benefits, George, insurance, paperwork, strong, surgery

today I was reminded of the couple of times that I was off work for a few months at a time, and another when George died…

once was four years ago when I ended up in hospital with pancreatitis and then had my gall bladder removed… we were supposed to have flown to BC but instead I spent six weeks in the hospital and eight weeks recovering at home… George was with me throughout the whole process and supported me as I dealt with all of the paperwork as I struggled to get some benefits from Service Canada… eventually I jumped through all of the hoops and got a little support… we celebrated our 40th anniversary while I was in the hospital…

then, when he died I went through the process of filling out numerous forms, terrified that I might do something wrong which would mean I wouldn’t get his insurance benefits…

two years ago next week I went through another serious surgery… this time without George… besides having to get through the surgery and recovery on my own, I had to go through the process again to get funding… it was not any easier the second time around…

all of those experiences were very stressful… particularly when already going through a difficult situation…

as I look back on them I realize how strong I actually was… but still remember the fear every time I had to fill out one of those forms…

20140709-211828-76708544.jpg

insurance continued…

17 Friday May 2013

Posted by sulis303 in Uncategorized

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carpet, drywall, George, headache, insurance, physio, ServiceMaster, tucked me in bed

rough day as I was struggling with a very bad headache… haven’t had one like that in many months… was taking notes for two hours and wondered if I was going to make it till the end…

left work around 2:30 and headed out to my physio appointment… was heated up, bent out of shape, pummeled, iced and electrocuted, then sent home…

looking forward to sleep I found a message from ServiceMaster who wanted to come and check out the carpet and basement wall… one fellow arrived, had a look and called some other guys who came and removed a portion of the underpad and set up blowers and a dehumidifier which will run until Tuesday when they will come back and take out two feet of drywall across the entire wall…

looking into the basement...

looking into the basement…

then I will wait to hear what the cost of doing a complete fix will be…  they won’t do anything until I get home…

fans going under carpet...

fans going under carpet…

finally, after all that I got to have a short nap…

George would have known exactly what to do, sigh… I am missing him like crazy… he would have got me something to eat and drink and tucked me into bed and then dealt with all the craziness in the basement…

insurance…

16 Thursday May 2013

Posted by sulis303 in Uncategorized

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40 years, additional fee for filing a claim, adjuster, big girl pants, carpet, damage, insurance, water heater tank

full day…

came home, had a quick peek at the new and non-leaking water heater and headed up to bed for a short nap while my dinner was cooking in the oven…

Crystal was here this morning to let in the repair guy who got the old tank out and new tank in in record time – I’m estimating $30 per minute he was here… luckily she can do some of her work online… then she came back in the afternoon to meet an insurance adjuster who came out to see what damage had been done…

new water heater...

new water heater…

have lived in this house for 40 years come September…  have dealt with the same insurance company, and never put in a claim in all that time… when I called this morning the woman I spoke with advised me, that besides the $1000 deductible, there would be an additional $100 fee for each of the next three years on my insurance policy for filing a claim…

wet carpet...

wet carpet…

the adjuster is sending out a contractor to look the situation over and get an estimate for drying out an insulated wall which might mean taking down a shelving unit that George built a few years ago and opening up the wall, and also lifting and drying a section of the carpet, which may also have to be replaced… hopefully they can come in the next few days to give me information so I can make a decision before I have to leave…

as a colleague said to me today, those big girl pants are getting to fit better every day…

the estate of the late…

13 Monday May 2013

Posted by sulis303 in Uncategorized

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American money, big girl pants, cheque, cruise, George, insurance, Rona, the estate of the late

received a cheque last week from the CRA… it was a refund for 2012 taxes for George… next year I won’t need to have a tax form done for him…

cheque...

cheque…

after work tonight I stopped in at the Credit Union to deposit the cheque into the Estate Account as I don’t have a debit card for that account…

a few weeks ago I received a couple of cheques from Sun Life made out to the Estate as well… they are providing medical/dental coverage for me for a two year period through Rona where George worked… whenever they send anything it is always to the Estate… most people only have an Estate account for a year but I will need to keep this one for the next couple…

I am still in a state of flux because my employer’s insurance company will not take me on, as I refused the insurance when I started working there, as George’s insurance was quite good… we had gone through a period where we both had insurance and it caused nothing but hassles, so I gave that insurance up and only used his, which worked very well…

now I have to get this sorted out before next March… another job for those big girl pants… no doubt it will involve many phone calls with a variety of people… not looking forward to the process…

been missing George a fair bit lately… I talk about him a lot, which can sometimes freak people out, but I don’t want to just leave him out of my life… he is still an important piece of it… I lived longer with him, than without him…

but I did get some American money for the cruise…

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