So I received one of those promotional mailers from one of the credit unions I have a CC at - essentially offering me a free $1k of accidental death and dismemberment policy.
I usually throw those things away, but this time I looked at it a bit more closely. As I did so, I noticed that it says that your spouse would be covered at half of your coverage (members coverage.)
Hmmm... I am already amply covered through work. So if something were to happen to me, DH would have no financial worries. Not so much if the reverse were true.
I'm able to add $5k/yr to DH's policy thru work, up to $50k. $50k would be a good amount to help me keep the house, and make whatever upgrades I'd need to do in order to rent out the basement (if that's what I decided to do.) That's 8 years out though.
For $7.50/month, I can have a $50k family plan. So, that would give me $25k + whatever I'm up to with my work plan if something happens to DH.
What I'm not sure of is what they consider "accidental death." The only thing mentioned that isn't covered is suicide. So ... would a heart attack be considered accidental death? Or dying of diabetes complications? etc?
It also has a hospitalization benefit - so if you're in the hospital more than 7 consecutive days, it pays up to $1k/month.
My DH would in no way shape or form qualify for normal term life insurance. So something like this appeals to me - I'm just wondering if there is something I'm not thinking about.
(No, we don't have human dependents, but we do have many furbabies. Either one of us would have a difficult time affording this house on our own. Renting would be out of the question w/our "kids." I'd just feel more secure knowing that if something were to happen to DH before we get to the financial place where he can retire, that I'll be taken care of (without having to dip into my own retirement funds.)
If DH started eating more healthfully, then I might not be so concerned about this. As it is, I doubt that is going to happen. So ...
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The fence guy did come out and spent about 3 days sporadically working on prepping our yard for the fence. Then he didn't come at all for an entire week.
No communication at all.
We are getting REALLY frustrated.
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It looks like the city union contract for my job is finally going to council to be signed! A year later ... So, hopefully on my next paycheck I'll be getting the backpay from a 2.5% cost of living raise, and then on the next paycheck, will be getting an additional 2.5% cost of living raise.
Plus the overtime I'll be getting this month (and some retroactive pay from previous overtime - they took out some language which will make around 6 hours of OT that was paid at straight time, into 1 1/2 time.)
My next two paychecks should be pretty darn sweet. (Good thing, seeing as though we need to squirrel away as much cash as possible for DH's shoulder surgery/time off work!)
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DH took care of the small estate affidavit for his sister on Thursday. Got it notarized and took it by her bank. This week he'll be calling the railroad to find out what the money situation is there, and then we can figure out all the finances.
I was proud of him for getting it done so quickly (Thursday was the 31st day from SIL's death - so first day it could be done.)
Thursday was also his birthday. 51 yo! We drove to a town called Marysville and ate at a Wagon Wheel restaurant. I was able to find food I could eat - DH had something called drunken chicken and mashed potatoes. I stole one fry and one fried mushroom ... not on my plan, but a little smudging once in a while won't kill me. 
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I'm going to be making this recipe tomorrow -
Eggplant parm
https://minimalistbaker.com/vegan-eggplant-parmesan/
with some modifications (no oil)
We have been harvesting eggplants from our garden. We ate the first one on Sunday, and have 3 more to eat now. So, I may do a double batch of this recipe, and freeze some.
Here is my hubby with our very first eggplants:
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So far I have redeemed a $25 gift card for Walmart from Swagbucks.
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I returned a bunch of books to the library on Friday. I'd put them in a tote with a jug of distilled water (for the cats to drink) and some water must have leaked ... I found this out as I was putting the books in the return bin. Two of them had visible water damage. 
So I brought the books into the library and showed them to the person at the desk. She told me one book was old, and not too damaged, so she wouldn't charge me for it. The other book though was brand new, and much more damaged.
She started looking for the barcode, and then realized it wasn't a library book after all!
I guess I had put all the library books on top of this book (all cookbooks) and when gathering the books to take back, just swept them all up. So ... I guess I should be glad it got water damaged!
Life Ins ?, Updates
August 5th, 2017 at 10:09 pm
August 5th, 2017 at 11:00 pm 1501974038
I believe 'accidental death' is a legal term that must be proven by a set of specific unintentional circumstances. It does not cover any medical conditions.
Hope you enjoy your home grown eggplants. Can't get much fresher!
August 5th, 2017 at 11:01 pm 1501974118
Doublecheck, but I think accidental death is like in a car accident, not heart attack or diabetes related. See if there is some term insurance that doesn't require a physical. Maybe from an alumni association?
That is a great, cute picture of hubby!
August 5th, 2017 at 11:40 pm 1501976438
August 6th, 2017 at 12:03 am 1501977803
August 6th, 2017 at 03:16 am 1501989405
That's what I figured for the policy.
Thanks Carol. He went to a community college, so I doubt there's anything like that. But I'll check.
Thanks MM
Thanks CeeJay. It took me a long time to feel confident enough to do anything with them. Now I could eat them all the time!
August 6th, 2017 at 11:31 am 1502019109
August 6th, 2017 at 02:37 pm 1502030228
August 6th, 2017 at 05:03 pm 1502039016
Carol - Yep, I'm not even looking for enough to pay off the house - more just to either give me some time to decide what to do - or enough to renovate the basement apartment into something rentable.
August 6th, 2017 at 05:22 pm 1502040137
August 6th, 2017 at 06:05 pm 1502042710
August 6th, 2017 at 06:37 pm 1502044626
August 6th, 2017 at 06:58 pm 1502045937
https://www.jrcinsurancegroup.com/life-insurance-without-med...
August 6th, 2017 at 07:06 pm 1502046402
August 7th, 2017 at 04:59 am 1502081994
August 8th, 2017 at 01:50 pm 1502200245
August 8th, 2017 at 02:20 pm 1502202051
August 8th, 2017 at 04:40 pm 1502210444
Thanks Kashi
Snafu - the basement is chock full of DH's stuff. No way to do anything with it as is.
August 8th, 2017 at 07:00 pm 1502218826
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August 31st, 2017 at 07:20 pm 1504207227
September 2nd, 2017 at 01:19 am 1504315199
February 20th, 2019 at 11:04 pm 1550703878