Our daughter who will be the executor has the "binder" full of all the info. as well as the key to the safety deposit box (found out if she doesn't have the key even if she is an authorized "user" they will not let her in without a court order).
Plus our financial adviser who has the details of every account & financial obligations we have & insurance policies & pensions, bonuses, etc. so everything is in one place is the "go to guy" if anything happens to my husband. My husband went through an awful health scare a few yrs. ago (basically had about 5 tumors in his abdomen & was told he had an aggressive cancer & to get his affairs in order). Happily after the 7-hour operation the tumors all were benign (according to surgeon that is very rare). But we are continuing on our journey of making sure our children will not be burdened by our demise.
Another problem we have run into is that I cannot get long-term nursing care health insurance. We have contacted 5 different companies & I have been rejected by all of them & one of the nurses finally told me I will never get accepted due to one of the medications I take (mental health medication) is a "red flag" & automatically disqualifies me. So my husband (he was accepted immediately & at a very low rate) is putting off retirement for another year in order to save enough money to "self-pay" for me should I need nursing home care. They say the average is 2 years. What is amazing is statistically people w/my mental health condition die 20 YEARS EARLIER than the general population so the odds are they would be making money off of me!
Oh well, currently the chronic pain issues are in the forefront. Neurologist did a bunch of tests & sent me to a hand surgeon as apparently tests show nerve damage that they think can be corrected by surgery. I'm not jumping into surgery, esp. w/my problems w/anesthesia not working not being resolved. I'm already in a lot of pain & don't relish more! I'm not a good long-suffering type--just ask my husband!--Suzy
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