Unfortunately many people simply accept health insurance denials without question. Such blind compliance is often a mistake. Insurance companies bank on their members’ ignorance of their insurance policy. This issue becomes exceptionally acute with those families dealing with a chronic or terminal illness. By taking time to follow certain steps, insurance problems can be prevented and perhaps an insurance denial overturned.

by Helen Fitzgerald, CDE

Grief is what you experience when you have suffered a loss. "Loss" is the key word here because grief not only applies to the way you feel after the death of a loved one but also to the way you feel whenever you suffer the loss of something valuable to you. For example, grief often follows a divorce, separation or breakup of a relationship, loss through fire or theft, loss of a job, the shattering of a life-long dream, the loss of one's youth, loss of control, the loss of one's role as a parent when children leave home, and the loss of one's health, eyesight or hearing. In looking at and understanding grief in a broader sense, you may be grieving for something almost your entire lifetime. Fortunately, the grief you experience over your many losses differs in intensity and longevity.