posted
A few days ago I was filming a project that forced me to use one of our 'large format' cameras (which weigh around forty pounds). There was a lot of action going on in quick succession which forced me to go handheld with the thing. Added to all of this I had a wireless microphone on one of my subjects so I had to add the five pound 'backpack' to the camera. Don't get me wrong, I love my job, my point is this: I really hurt my back in the process of the shoot and I still have a hard time putting on my boots in the morning.
This led me to another line of thinking. I guess this is common in soon-to-be new fathers. I had a real fear, like I've never had before, that I would not be able to support my family. I was suddenly thrown into the perspective that, I too, am mortal.
My father always knew exactly what to do as far as his career went. He was always able to provide for us no matter what life would throw him (he's a diabetic that just recently had kidney failure and now has one of my kidneys). His determination was, for a lack of another word, absolute. I always remember my dad being sick, yet he always brought enough home. I guess I'm starting to see the fragility of life. Man, this 'real world' concept sucks!
Hate to say this scott, but that's not an irrational fear. It's a reason to get some good life insurance.
Posts: 6367 | Registered: Aug 2003
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posted
...and it just so happens that PSI is now selling life insurance. So, how much can we put you down for?
Posts: 530 | Registered: Jan 2003
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posted
Yeah, and what's scary, scottneb, is that when you think you have all your bases covered, you often don't. I had life insurance, plus long term and and short term disability policies, but when I got sick last year with a slow declining sort of thing, I got fired from my job but was not covered by anything at all. The disability insurance, for which I had been paying hefty premiums all along, was written with catastrophic disabilities like accidents or heart attacks in mind. The slow onset of my thing meant I missed enough work to be fired but not enough to be covered. Once fired, I lost coverage, period, regardless of future downturns or whatever.
I am lucky in that I've gotten better gradually and also that I am able to work less than full time and still make a decent living. I expect I will get over this completely and be able to do full time strenuous work again soon. But eventually my diabetes will probably go about killing me rather slowly. Insurance isn't good at covering slow onset things at all. I know that now. I thought I was being conscientious and prepared for any eventuality, but it turns out the policies are written deliberately in such a way to make it hard to qualify to ever collect on them.
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