Tuesday, April 29, 2025
Expired Insurance
This plant is known as a "lipstick echeveria," according to my Picture This app. I've never known the name of it. It's one of several cacti or succulents I adopted from the library, where plants often get abandoned when people move or clean out their offices. Every year it sends up this little pink stalk of tiny flowers, and for a while I was disappointed because it seemed they never quite opened. Then I realized this is the bloom -- this is as good as it gets. And now I like them.
Poor Olga was very wobbly this morning. I don't know if she strained something getting into or out of bed, or just slept wrong, but she could barely get out and move around in the garden. I'm going to cancel her dog-walker and give her a day of rest, along with an extra Paracetamol, and we'll see if that helps. She was just as eager as usual to wake up -- she slept parallel to me, pressed against my back, and when she wanted to get up at 5 a.m. she put her head on my shoulder and thump thump thump went the tail. (The tail is my alarm clock.)
Last night she ate normally and ravaged the candytuft as usual, so who knows what's going on. Maybe just achey morning joints. (Addendum: We later took our usual morning stroll and she seemed fine.)
When Dave was in Michigan over Spring Break, cleaning out his parents' house, he found an old life insurance policy they'd bought in his name right after he was born. It was purchased from the Aid Association for Lutherans, back in 1968. We were pretty sure the policy was inactive, but we wanted to check, so I looked around online and found that the Aid Association for Lutherans had over the years been absorbed into a larger insurance and investment company called Thrivent. We sent a message to Thrivent online but of course no one got back to us, so last night I called them.
Calling was an adventure in itself because, for a variety of reasons, I usually use Skype for overseas calls to 1-800 numbers. But I don't make many of those calls and hadn't opened Skype in ages, and it's now being phased out by Microsoft, so I had trouble getting it up and running. Finally I managed to make the call and the operator did indeed find Dave's policy and it is indeed inactive. I'm sure his parents stopped paying premiums ages ago. When we asked his mom she barely remembered it.
The estate sale of his parents' stuff (sans the belongings they want to keep, which have been moved to them in Florida) is happening on May 1. I suggested to Dave that he or his sister should touch base with their cousins or other family members to see if they want any of it -- because there's some stuff there, like china and furniture, inherited from Dave's grandparents. But I don't want to get too involved. This is really his family affair, and from dealing with my own mom's stuff a few years ago I know everyone already has too much of everything.
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My son and I switched from Skype to its replacement, Teams, a while back, quite seamlessly. I'm not sure what the difference is, or why they switched. But we only use messaging and that's unchanged. Some other function must be different.
ReplyDeleteI hope Olga will feel better soon. Yes, maybe she slept wrong, like a human waking up with a stiff neck.
We use Facetime now for most of our personal calls. But I need something to call businesses on a telephone line. Plus I think I still have credit ($) on Skype!
DeleteThanks for the plant name! Mine is blooming...two flower stalks! ..for the first time.
ReplyDeleteAlways worth checking old policies, you never know.
Mine had two stalks before this one. I don't think it's ever had such a prolific year!
DeleteI am sure that you could easily purchase a secondhand pram or sturdy pushchair in order to take Olga on walks. You could even dress her in a baby's bonnet to fool inquisitive old ladies. "Oh my, what an... interesting face your little girl has got. Has she always been this furry?"
ReplyDeleteYou might laugh, but there are 'prams' made specifically for dogs. We had one for our elderly Dalmatian so that she could still enjoy coming out with the younger dogs.
DeleteI've told Dave if Olga's back legs get weak I'm buying her a "dog wheelchair," which basically supports their back end. He thinks I'm crazy. Hopefully she won't need that.
DeleteI've seen staffies in prams before. It's a thing!
I use Skype for overseas calls, too. I installed Teams to replace it but haven’t used it yet. Sounds like Olga was feeling her age this morning. Glad things eased up. I stayed out of the way when SG’s mother died. I felt it was none of my business. He and his sisters were phenomenal at divvying things up. No squabbles. That doesn’t often happen.
ReplyDeleteDave's family isn't squabbling either, but I just hope everyone feels like they had a chance to keep what they want. (Including his parents, who are still alive and who own all this stuff!)
DeleteOh yeah! Forgot the important fact that Dave’s parents are still here to tell them what to do!
DeleteEveryone seems to use Whatsapp nowadays. It works well enough. I am not sure about using it to call businesses though, as they would need to have the app.
ReplyDeleteI suppose like older humans, Olga has her good days and not so good days.
I use Whatsapp for group chats but Facetime for video calling -- but yeah, neither one would really work for calling a telephone landline.
DeleteYour lipstick echeveria’s subtle blooms have grown on you, Olga’s morning wobbliness thankfully improved, and while you navigated Skype to confirm Dave’s old insurance policy is inactive, it’s wise to let him handle the upcoming estate sale and any family decisions.
ReplyDeleteI don't mean this to be an obnoxious question, but do you use AI to formulate your comments? They seem a bit AI to me. No offense.
DeleteI'm glad that Olga is fine. I think she was just teasing you to get a bit of sympathy,
ReplyDeleteCould be! Anything for a treat!
DeleteI am glad to hear Olga feels better. Waking up stiff happens to my dog too, especially if it has rained.
ReplyDeleteFamily estate sales can be tricky. That said, asking relatives if they want something is a good idea. Plus, it reduces the amount of stuff to sell/donate/give away.
I like the delicate flower on your plant and the color is lovely.
I haven't noticed whether rainy days affect her differently from sunny ones.
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ReplyDeleteWe all have too much stuff, don't we? I try so hard not to accumulate stuff, but it sneeks up on me, especially with a child in the house.
Glad Olga was feeling better later in the day. Getting old is hard work.
It's very hard to keep down clutter when there are kids around. Kids are collectors by nature!
DeleteI think I got lucky--not the exact right word--when my father passed because he explained where most everything would be going so there was very little drama. Many people cannot handle grief so their grief turns to anger over not getting something.
ReplyDeleteAnd Dave's situation is especially awkward because his parents aren't dead -- they're just in assisted living. They've also weighed in on what they want to keep and where some things should go.
DeleteI'm glad to hear Olga perked up a bit later. I can relate -- but it's hard when you see something/someone you love challenged, even when they bounce back. I think that's a good idea about alerting cousins or close friends but yes, sometimes stepping back is the smart thing to do. Throw out the suggestion and then it's up to them. That's a lovely plant!
ReplyDeleteYeah, that's kind of what I did, but it's up to them to ask around. I don't even know most of the extended family.
DeleteYou remind me of going through my grandparents stuff after their deaths and finding literally a dozen different life insurance policies. I spent days searching and calling only to find out all of them had been stopped at some point and the policy rolled over to their one annuity that I knew about. I wish they had tossed the paperwork at that point instead of hanging onto it.
ReplyDeleteWell, at least there was still some value to go into an annuity. As I understand it, the policy I found is valueless. (I kept it just in case.)
DeleteAs everyone has said- yes, best to leave Dave's family business to Dave's family. But you're probably right about giving the cousins a chance to take anything that might be meaningful to them.
ReplyDeleteUltimately, I have to leave it up to Dave and his sister. (And his parents, who are weighing in from afar.)
DeleteI was wobbly this morning too! Olga and I are practically twins - except for the getting up at 5 a.m. thing. Ha!
ReplyDeleteIt's amazing how accurate her internal clock is.
DeleteI woke up achy this morning also but it improved as I got moving so I understand where Olga is coming from... Hope Dave's sister has some luck with the estate sale. Wishing them good weather for it.
ReplyDeleteYeah, sometimes you just have to get up and move around. I have that happen too!
DeleteYou'd think there would be some payout for the amount that was paid in but...insurance companies. They hate to pay out.
ReplyDeleteI'm pretty sure I asked if it had any value and she said no. I suppose it depends on the type of policy.
DeleteI love that bloom. I see lots of plants like that one but I don't remember seeing them bloom. I probably have and I just don't recall.
ReplyDeleteYour comments about Dave's family's possessions reminds me that several months ago, I read an article in NYTimes about how people aren't interested in collecting china any longer. I have my grandmother's china that she used every holiday. I called my sister to see if she wanted it or if any of her kids might want it. She finally said her eldest son wanted it which surprised me. He really isn't a likely collector of family stuff. However, I am going to box it up and give it to him.
I read that story too! In fact I think I mentioned it on my blog. We went through the same thing with my grandmother's china, which my brother eventually sold.
DeleteGlad Olga's ability to move is improving. I never used Skype, now it's gone.
ReplyDeleteWell, you didn't miss much. :)
DeleteI also found an insurance policy in my parents paperwork. I checked online and the company was still in existence and had an office in our state. I kept the paper in my purse and the next time we drove through there, I stopped to check. They made the payments for whatever the term was on the $500 policy and it had been growing with interest ever since. I had my identification with me (although not a marriage license now that I think about it) and cut me a check on the spot for a few thousand dollars. Always check!
ReplyDeleteThat's amazing! I don't think this one accumulated any value, but now I'm wondering if I asked the right questions. Surely they would have told me?!
DeleteI can identify with Olga - one day feeling young and the next . . . not. Hey, as long as we bounce back, it's all okay :)
ReplyDeleteWe were lucky with my mother's things - we have small families and it was easy to ask around, plus we had more time than Dave to deal with everything. And she had been trying to downsize for years, so that helped. It's a hard enough job emotionally and physically - hopefully none of Dave's family will be upset at not being asked.
Well, I think in Dave's case it's actually a bit easier because he's not dealing with grief. His parents are still alive, and they're the ones making the decisions about what to keep and what to sell, though they're doing it all from Florida.
DeleteI'm glad Olga seems okay. I had a relative who took an entire Penski truck of belongings from my mother's place. My goal is to get rid of my stuff myself.
ReplyDeleteWell, it's good someone could use the stuff. When my grandmother died we sold her house with a lot of stuff still in it, because there was just way too much for us to clear ourselves. (We got the important and personal belongings.)
DeleteIf Olga is anything like I am, there are just some days it's harder to get moving.
ReplyDeleteI think that's exactly what happened -- she just had a rough morning!
DeleteLets Find Some Doggie CBD Capsules For The The Queen - I Watch Over An Older Dog And Its Marvelous Stuff - This Particular Dog Used To Run Along Side A Bike For Over Ten Years - Now , At The Age Of 12 , Stiffness And Arthritis Is A Problem - Those Capsules DO NOT Get The Dog High But Works Wonders Even Morning During Breakfast
ReplyDeleteHang In There Girl ,
Cheers
Oh, interesting! We have fish oil capsules for her but we sometimes forget to give them. Hard to tell whether they help or not.
DeleteIn my experience, grief mixed with belongings does weird things to families. Sigh.
ReplyDeleteWell, there is no grief yet, because Dave's parents are still alive. They've moved into assisted living in Florida and they have left the house clearance and sale to Dave and his sister. But you're right -- that is a potent combination when it comes to emotions and relationships.
DeleteSkyping brings back many memories; that's mostly how my older daughter and I communicated in Senegal. For messages, Facebook messenger was the most reliable, believe it or not. FB uses a whisper connection that worked even in the villages of the Casamance! Hope Olga continues to feel better. Life insurance and annuities can be SO confusing!
ReplyDeleteSkype used to be THE program to use for video chats. Then Zoom came along during the pandemic and that upended everything. They lost a lot of clout at that moment.
Deletesome mornings are like that- I feel like Olga sometimes, we are the same age in dog years I reckon. However that works (?)
ReplyDeleteI think she's older than you in dog years, although it's hard to tell exactly how old she is. We're not really sure.
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