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    • 8 hours, 39 minutes ago
      KarenM6 likes your comment at
      In the past 12 months, have you experienced nausea and/or vomiting as a symptom of high blood glucose levels?
      "It's a forever learning curve" - so very true
    • 8 hours, 47 minutes ago
      KarenM6 likes your comment at
      For pump users: In the past 3 months, have you had issues with insulin delivery due to a bent cannula or occlusion?
      I hesitate to bring this up but I am quite sure this happens more than people realize. I use a tubed pump and small amounts of total daily insulin and have checked the tubing for YEARS for bubbles. YES, they are difficult to "notice" unless you have a good light behind the clear tubing because the insulin is also colorless. I detach and check the tubing in the morning and before bedtime if not before the evening meal...I'm talking about significant bubbles----8-10-or12 inches in length can appear and you would NOT notice them unless you were looking. I wonder how many people wonder why their blood sugar is occasionally high and it's being caused by a significant bubble...NO, not the champagne sized version that's often mentioned to "ignore." The pump company I deal with tried to get me to switch to injections instead but I am an EXPERT with the bubble situation. Also, comments over the years that I am probably not filling the reservoir correctly, etc....just plain silly. I am NOT new at this...LOL!!!
    • 9 hours, 12 minutes ago
      KarenM6 likes your comment at
      In the past 12 months, have you experienced nausea and/or vomiting as a symptom of high blood glucose levels?
      I said yes to nausea, occurred with a bad pump site insertion and rising BG over the next 4 hours. I picked it up early w CGM notification and realizing that it was very unusual for me to have rising BG at that time of the day (morning) when on Control IQ pump. The severity was delayed because I had given a breakfast meal bolus via the prior site before the change, so BG was rising after 3 hours, and I knew something was not right. I think this is an important clue for pumpers- when I see people get in trouble w bad sites or insertion failures, the thought process usually is- I just put a new site in, it must be ok- or maybe it does not occur to people that the pump site could have failed--when it should be- did the insertion fail? ----If in doubt, pull it out!----- I pulled the site and could see the cannula was bent, so I know what happened and injected w a syringe, put a new site in, and was better in a 3-4 hours.
    • 13 hours, 48 minutes ago
      Janis Senungetuk likes your comment at
      In the past 12 months, have you experienced nausea and/or vomiting as a symptom of high blood glucose levels?
      I said yes to nausea, occurred with a bad pump site insertion and rising BG over the next 4 hours. I picked it up early w CGM notification and realizing that it was very unusual for me to have rising BG at that time of the day (morning) when on Control IQ pump. The severity was delayed because I had given a breakfast meal bolus via the prior site before the change, so BG was rising after 3 hours, and I knew something was not right. I think this is an important clue for pumpers- when I see people get in trouble w bad sites or insertion failures, the thought process usually is- I just put a new site in, it must be ok- or maybe it does not occur to people that the pump site could have failed--when it should be- did the insertion fail? ----If in doubt, pull it out!----- I pulled the site and could see the cannula was bent, so I know what happened and injected w a syringe, put a new site in, and was better in a 3-4 hours.
    • 13 hours, 49 minutes ago
      Richard Wiener likes your comment at
      In the past 12 months, have you experienced nausea and/or vomiting as a symptom of high blood glucose levels?
      I said yes to nausea, occurred with a bad pump site insertion and rising BG over the next 4 hours. I picked it up early w CGM notification and realizing that it was very unusual for me to have rising BG at that time of the day (morning) when on Control IQ pump. The severity was delayed because I had given a breakfast meal bolus via the prior site before the change, so BG was rising after 3 hours, and I knew something was not right. I think this is an important clue for pumpers- when I see people get in trouble w bad sites or insertion failures, the thought process usually is- I just put a new site in, it must be ok- or maybe it does not occur to people that the pump site could have failed--when it should be- did the insertion fail? ----If in doubt, pull it out!----- I pulled the site and could see the cannula was bent, so I know what happened and injected w a syringe, put a new site in, and was better in a 3-4 hours.
    • 14 hours, 9 minutes ago
      Ahh Life likes your comment at
      In the past 12 months, have you experienced nausea and/or vomiting as a symptom of high blood glucose levels?
      I began playing Pickleball last year in March. When the temperatures started to rise the extra effort my body was experiencing because of the heat got my body hormones out of balance and I began experiencing nausea, higher heart rates and feeling very uncomfortable. I soon realized that I cannot play when is too hot or I’ll end up with ketones. Any new activity when on. Insulin requires adjustments. It’s a forever learning curve. Adding to the heat, last year I was having some absorption problems by the overuse of my abdomen. I have now move the infusion sites to my upper front side and it’s working much better.
    • 14 hours, 9 minutes ago
      Kristine Warmecke likes your comment at
      In the past 12 months, have you experienced nausea and/or vomiting as a symptom of high blood glucose levels?
      I said yes to nausea, occurred with a bad pump site insertion and rising BG over the next 4 hours. I picked it up early w CGM notification and realizing that it was very unusual for me to have rising BG at that time of the day (morning) when on Control IQ pump. The severity was delayed because I had given a breakfast meal bolus via the prior site before the change, so BG was rising after 3 hours, and I knew something was not right. I think this is an important clue for pumpers- when I see people get in trouble w bad sites or insertion failures, the thought process usually is- I just put a new site in, it must be ok- or maybe it does not occur to people that the pump site could have failed--when it should be- did the insertion fail? ----If in doubt, pull it out!----- I pulled the site and could see the cannula was bent, so I know what happened and injected w a syringe, put a new site in, and was better in a 3-4 hours.
    • 14 hours, 10 minutes ago
      Ahh Life likes your comment at
      In the past 12 months, have you experienced nausea and/or vomiting as a symptom of high blood glucose levels?
      I answered no, but I do experience nausea and/or vomiting, usually on a daily basis, but this is because I have gastroparesis. I have rarely been able to eat breakfast over the last 20+ years as I end up vomiting it all back up ... try explaining that to ward staff in hospital(s). ;-)
    • 14 hours, 29 minutes ago
      Becky Hertz likes your comment at
      In the past 12 months, have you experienced nausea and/or vomiting as a symptom of high blood glucose levels?
      I said yes to nausea, occurred with a bad pump site insertion and rising BG over the next 4 hours. I picked it up early w CGM notification and realizing that it was very unusual for me to have rising BG at that time of the day (morning) when on Control IQ pump. The severity was delayed because I had given a breakfast meal bolus via the prior site before the change, so BG was rising after 3 hours, and I knew something was not right. I think this is an important clue for pumpers- when I see people get in trouble w bad sites or insertion failures, the thought process usually is- I just put a new site in, it must be ok- or maybe it does not occur to people that the pump site could have failed--when it should be- did the insertion fail? ----If in doubt, pull it out!----- I pulled the site and could see the cannula was bent, so I know what happened and injected w a syringe, put a new site in, and was better in a 3-4 hours.
    • 1 day, 7 hours ago
      Wanacure likes your comment at
      Have you developed lipohypertrophy due to repeated injections/infusions of insulin? Lipohypertrophy is a term to describe hardened lumps of body fat just under the skin that resulted from repeated insulin injections/infusion sites. If so, share how you’ve handled lipohypertrophy in the comments!
      After 62 years I have skin issues everywhere. I am an avid at rotating every time I change my infusion set. When I was on multiple daily injections, up to 9 per day, I had massive skin hardening. Since on the pump it’s not nearly as bad that’s been 33 years. I take very little insulin my daily basal comes out to 9 units over 24 hours I eat two meals that I count carbs for and try to keep at a minimum of 30-40 per day. Everything is going well. Rotation is key
    • 1 day, 7 hours ago
      Wanacure likes your comment at
      Have you developed lipohypertrophy due to repeated injections/infusions of insulin? Lipohypertrophy is a term to describe hardened lumps of body fat just under the skin that resulted from repeated insulin injections/infusion sites. If so, share how you’ve handled lipohypertrophy in the comments!
      I use a pump and have had issues with insulin absorbtion. It seems I have a lot of them on the side I primarily use for infusion sets. I recently switched to the other side of my abdomen and dropped more than one point on my a1c.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      Does your T1D healthcare provider suggest new medications or devices that they think would be beneficial to your T1D management during your appointments?
      When I first started with my current Endo we would discuss the released and upcoming products and I would tell her about the 'off-market' applications and devices, we both learned from each other. But she was so good with helping me transition to the Dexcom and then the Tandem after Animas was pulled from the Market. She followed my Dex and even finer tuned my Basals and early this year I got an "unbeleivable" 5.4 A1c and we are both extremely happy!
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      Does your T1D healthcare provider suggest new medications or devices that they think would be beneficial to your T1D management during your appointments?
      Yes. But then I self-selected when choosing an endocrinology clinic that pursues cutting-edge advances 40 years ago. Cutting-edge is a phrase that is also often called bleeding-edge because it is often experimental, hit or miss on results, and very expensive. I am convinced the “bleeding” refers to $$$.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      Does your T1D healthcare provider suggest new medications or devices that they think would be beneficial to your T1D management during your appointments?
      not anymore, and I am happy about it! Most of the time they were recommending things that had been recently pitched to them by a pharmaceutical salesperson or a durable medical supplier. The doctors would give patients the "free samples" and it was often not the best fit, then after the "free" supply ran out, the prices were exorbitant. Maybe it still happens, but I haven't seen it for a while.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      If you have never used an insulin pump with automated insulin delivery (also known as a hybrid closed-loop pump), what are some of the reasons you’re reluctant, or obstacles you’ve encountered? Please select all that apply.
      The need for better CGM accuracy is a big consideration for me. Also my control is pretty good right now (a1c in the low 6 range). Although I am tempted by the sleep and exercise modes which would be very helpful since I’m getting back in to exercise. So…I keep sitting on the fence…
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      If you have never used an insulin pump with automated insulin delivery (also known as a hybrid closed-loop pump), what are some of the reasons you’re reluctant, or obstacles you’ve encountered? Please select all that apply.
      I don’t want to change from the Omnipod Dash to Omnipod 5 because the minimum target blood glucose is level is higher than where I like to keep it. My A1C is currently 5.0.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      If you have never used an insulin pump with automated insulin delivery (also known as a hybrid closed-loop pump), what are some of the reasons you’re reluctant, or obstacles you’ve encountered? Please select all that apply.
      For the last 5 years, the highest HbA1C I've had was 5.3. For the last 3 years the high, low, & average have been 5.2, 4.7, & 4.9. I'm not willing to go to an AID that sets a target of 6 to 7.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      If you have never used an insulin pump with automated insulin delivery (also known as a hybrid closed-loop pump), what are some of the reasons you’re reluctant, or obstacles you’ve encountered? Please select all that apply.
      I do MDI. For the last 7 years my A1C has averaged around 4.8. I have no reason to believe that a closed loop automated system could do that well.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      If you have never used an insulin pump with automated insulin delivery (also known as a hybrid closed-loop pump), what are some of the reasons you’re reluctant, or obstacles you’ve encountered? Please select all that apply.
      There are many reasons, as well as "something else." My arthritic fingers do not serve me well with a cell phone. I have trouble putting the needle covers back on to my insulin pen needles. If I had to take care of all the fine muscle issues associated with setting a pump up, I would probably require assistance. I am also not drawn to the issues I hear about tissue damage at the infusion sites, or knowing whether everything is seated properly and the insulin is actually flowing. Finally, I just have some kind of negative karma with electronics. I have worked as a lab biochemist. Somehow, I find the weaknesses of every machine in the lab. (the ideal industrial beta-tester) Having said that, what I hear about the numbers achieved with the tandem CIQ gives me pause to consider.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      If you have never used an insulin pump with automated insulin delivery (also known as a hybrid closed-loop pump), what are some of the reasons you’re reluctant, or obstacles you’ve encountered? Please select all that apply.
      Like others, the "closed loop" runs me too high - even the target bg is too high for me. I use the TandemX2 with BIQ integrated wqith my Dexcom G6. I also appreciate - and use - the temp basal function often. I would lose that with CIQ. L:ike Nilla Eckstrom (I think?) I like to be between 80-90, with maybe up to 120 after I eat.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      If you have never used an insulin pump with automated insulin delivery (also known as a hybrid closed-loop pump), what are some of the reasons you’re reluctant, or obstacles you’ve encountered? Please select all that apply.
      The constant refilling and site changes...doesn't seem worth it.
    • 1 day, 8 hours ago
      Wanacure likes your comment at
      If you have never used an insulin pump with automated insulin delivery (also known as a hybrid closed-loop pump), what are some of the reasons you’re reluctant, or obstacles you’ve encountered? Please select all that apply.
      Luddites just may be the most comfortable people on earth. 🙃 
    • 1 day, 9 hours ago
      Antsy likes your comment at
      For pump users: In the past 3 months, have you had issues with insulin delivery due to a bent cannula or occlusion?
      Holy cow! 8 to 10” bubbles? There is definitely something wrong if that is happening to you. I occasionally get 1/4” inch 10” is excessive. Have you gone in and shown your pump instructor how you’re doing it so that they can help you figure out the problem?
    • 1 day, 9 hours ago
      Wanacure likes your comment at
      Aside from the first year after your diagnosis, have you seen a registered dietitian for help managing nutrition and T1D?
      When I was put on insulin, the first dietitian I payed to see said I could eat whatever I wanted as long as I followed the set number of macros (carbs, protein, fats). The stupid diet had my blood sugars all over the map. She didn't care/listen when I told her milk, bread/pasta made me feel really sick. She said because I was on insulin I need to eat a high carb, low protein and low fat diet. What bad advice! Thankfully, I came to my senses and starting reading the experiences of other T1D's who were following the The Bernstein diet.
    • 1 day, 9 hours ago
      Wanacure likes your comment at
      Aside from the first year after your diagnosis, have you seen a registered dietitian for help managing nutrition and T1D?
      Saw one, recently out of school, when I was first diagnosed ten years ago. She insisted I needed 150 grams of carbs per day minimum and handed me a sheet with meal plans. She explained that I needed those carbs to keep my brain functioning properly. GEEZ. I can only hope she's learned a thing or two since then.
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    Have you had any issues obtaining life insurance because of T1D?

    Home > LC Polls > Have you had any issues obtaining life insurance because of T1D?
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    Sarah Howard

    Sarah Howard (nee Tackett) has dedicated her career to supporting the T1D community ever since she was diagnosed with T1D while in college in May 2013. Since then, she has worked for various diabetes organizations, focusing on research, advocacy, and community-building efforts for people with T1D and their loved ones. Sarah is currently the Senior Marketing Manager at T1D Exchange. Sarah and her husband live in NYC with their cat Gracie. In her spare time, she enjoys doing comedy, taking dance classes, visiting art museums, and exploring different neighborhoods in NYC.

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    45 Comments

    1. Karen Newe

      I lucked out. Got life insurance just 6 months before diagnoses at 51 yo.

      3
      11 months ago Log in to Reply
    2. Donna Condi

      I purchased my life insurance before coming down with diabetes however, I tried getting long term care insurance and was turned down flat!

      1
      11 months ago Log in to Reply
    3. Melissa Yuruckso

      They would only insure me till I’m 78. My non diabetic husband is insured for a longer life!

      1
      11 months ago Log in to Reply
    4. Karen Taylor

      Many many years ago. After that I’ve had life insurance up until I retired through work. No longer have life insurance

      1
      11 months ago Log in to Reply
    5. GLORIA MILLER

      I had life insurance before retiring. Any time I tried to get my own life insurance I was turned down due to the diabetes.

      3
      11 months ago Log in to Reply
    6. kilupx

      I got LADA 7 years ago. About 12 years ago my husband and I tried to buy life insurance policies. We had to get physical exams. He was rejected because of minor health issues so we got a much bigger policy for me. Five years later I never reported my T1D diagnosis to the insurance broker (a friend) because we are afraid the policy would be cancelled.

      4
      11 months ago Log in to Reply
    7. Lynn Smith

      I only had life insurance once outside of employment and I believe I paid a higher premium due to my diabetes.

      1
      11 months ago Log in to Reply
    8. Brian Vodehnal

      Not trouble but I didn’t know my life insurance is higher than my wife’s.

      1
      11 months ago Log in to Reply
    9. Sherolyn Newell

      I already had both life insurance and long term care. It hadn’t occurred to me that I should tell them I’m diabetic now.

      1
      11 months ago Log in to Reply
    10. Jerome McClellan

      No, other than paying 3X what my nonT1D wife pays.

      2
      11 months ago Log in to Reply
      1. Dave Akers

        Same here!

        1
        11 months ago Log in to Reply
    11. Tb-well

      I can get it, but it is cost prohibitive for any coverage over about 300,000.00, since my premiums triple with the physical

      1
      11 months ago Log in to Reply
      1. Keira Thurheimer

        Once I found a company willing yo insure me,, the cost was so prohibitive that I couldn’t afford the policy. I have life insurance through work, so hope that will be enough.

        1
        11 months ago Log in to Reply
    12. karolinamalecki7@gmail.com

      I got life insurance before being diagnosed with type 1

      11 months ago Log in to Reply
    13. Kristine O'Brien

      I wasn’t able to get life insurance outside of work in my 40s, having been diabetic for >30 years.

      1
      11 months ago Log in to Reply
    14. Dave Akers

      This was a major pain but necessary for the time being. Took me a long time to find someone. To cover me. When I did, the cost was OUTRAGEOUSLY EXPENSIVE!!! compared to my wife w/o T1; I received about 2/3 coverage than she, but it cost me 3x the premium! This was absolutely absurd!!!!

      1
      11 months ago Log in to Reply
    15. George Lovelace

      Set it up in a Profit Sharing Plan I managed at my work. Low coverage at a reasonable Premium for a 36 year old.

      11 months ago Log in to Reply
    16. Edward Geary

      Routinely denied since diagnosis in 1974. Companies gradually came around but rates and limitations were prohibitive. Relied largely on employee sponsored group life which rose exponentially after retirement. I think there are good risk models in Canada which, for years, has had progressive public policy relative to diabetes coverage, treatment and discrimination.

      11 months ago Log in to Reply
    17. Carol Meares

      I have LADA and had life insurance prior to getting T1D

      1
      11 months ago Log in to Reply
    18. Becky Hertz

      When gotten through an employer, no. I haven’t tried individually because I know the costs are, or have been, prohibitive.

      11 months ago Log in to Reply
    19. Teri Morris

      I couldn’t get insurance for my home that I paid Royal Homes to build because I am diabetic. If it burns down I will have nowhere to live and no money!

      11 months ago Log in to Reply
      1. AnitaS

        That is unbelievable. What does diabetes have to do with your house burning down?

        2
        11 months ago Log in to Reply
      2. KarenM6

        Jiminy Christmas, Teri! I’m so sorry… that seems like a very discriminatory policy… and not a logic I can follow. I’m so sorry!

        11 months ago Log in to Reply
    20. Janis Senungetuk

      When I was 23 yrs old, after the birth of our daughter, I was told I was uninsurable because of T1D.

      11 months ago Log in to Reply
    21. Ahh Life

      Somewhere there is a camel trying to get through the eye of a needle in order to get to heaven. Ha! Her task is trivial compared to the many eyes of many needles (metaphor, not steel) that T1 diabetics must navigate every single day and every single hour.

      Insurance is another one of those eyes. And it’s tiny and expensive. Companies and corporations know the actuarial math and cost numbers perfectly. All we dollar-bill paying customers know is that our wallets are several pounds lighter when we are done dealing them. Can’t the US of A do better than this? ( ͡❛ ⏏ ͡❛)

      2
      11 months ago Log in to Reply
    22. Bruce Schnitzler

      I was only able to obtain life insurance in 1978 through an employer’s plan. I have maintained the policy after retirement in 2013.

      11 months ago Log in to Reply
    23. Bob Durstenfeld

      I could never buy life insurance on the open market, it was always refused. My work around was to roll over corporate life insurance when I left a job. This allowed me to eventually purchase whole life and term policies. From this lesson learned, when each of my children were born, I bought them single premium whole life policies. This paid off for my oldest, he was Dxed at 8 months old with T1D.

      1
      11 months ago Log in to Reply
    24. lis be

      I’ve never even thought to try, i just assumed they wouldn’t give it to me.

      11 months ago Log in to Reply
    25. AnitaS

      I don’t honestly remember if I had life insurance while I worked, but I don’t believe so. After retirement, I didn’t get life insurance because I am single and have no children.

      11 months ago Log in to Reply
    26. AnitaS

      With new technology which makes it possible for diabetics to live a longer, healthier life than a non-diabetic, it seems wrong to deny insurance.

      11 months ago Log in to Reply
    27. Lawrence S.

      I applied years ago, 1970’s or 1980’s. Was given a much higher rate, so I did not purchase the plan. Was able to get insurance through my employer at a good rate. I don’t carry any live insurance now that I’m retired.

      11 months ago Log in to Reply
    28. Mark Schweim

      The ONLY way I’ve been able to get any life insurance since my T1D diagnosis has been through my employers, but their life insurance is only valid as long as I remain employed by that employer so it’s basically a gamble of “Take the company offered life insurance and hope I die before quitting or losing my job, or go without life insurance and hope for employment elsewhere with life insurance benefits sometime before I die.

      But then again, since I’m still single, if I die without life insurance, who besides the State or Federal Government would be covering my funeral expenses since I am the ONLY person with any financial responsibility towards any of my expenses???

      11 months ago Log in to Reply
      1. Lawrence S.

        I hope you outlive your need to use life insurance.

        11 months ago Log in to Reply
    29. Derek West

      My premium was maybe 10% higher on a mortgage protection policy. I also relied on employer policies which cost nothing to me. Since I now am retired and have no dependents I no longer need it.

      1
      11 months ago Log in to Reply
    30. Kristine Warmecke

      My parent’s had bought life insurance for me, before my diagnose. I had the option, at certain times, to increase it which I did without any questions asked.

      11 months ago Log in to Reply
    31. Molly Jones

      I chose other. My husband purchased both of us life insurance policies through his workplace. Mine is less than ten percent of his but requires no medical information.
      If I was not married and desired life insurance, I don’t think it would be possible with the list of medical conditions I have along with T1D.

      11 months ago Log in to Reply
    32. KarenM6

      When I’ve tried to get life insurance, I just get turned down flat.

      1
      11 months ago Log in to Reply
    33. Liz Avery

      I have not tried to get life insurance, however term life through my employer was available without medical review. I carried a term policy almost always prior to retirement.

      11 months ago Log in to Reply
    34. Britni

      My employers have offered it as a benefit, no medical review needed. I’ve never tried to purchase it on my own.

      11 months ago Log in to Reply
    35. Janice B

      I was denied insurance at the small company that I work for. Luckily even though my husband ids on disability we kept up his carpenters card and insurance so I was able to get on that plan

      11 months ago Log in to Reply
    36. PamK

      I have been able to get Life Insurance through each employer I’ve worked for, but only the basic plan. I have tried to get more coverage from a couple of different employers and was turned down due to having diabetes. I’ve also looked into getting more at other employers, but they always ask that I answer “a few” health questions and I know they will decline me the additional coverage if I do so. So, I don’t bother anymore.

      2
      11 months ago Log in to Reply
    37. Cheryl Seibert

      T1D for 56 years. Even at 30 yrs T1D, so companies will sell me insurance on a private policy. I obtained convertable policies through my employer optional benefits. That way I can take them with me if I change jobs. The fact that insurance companies still see diabetes as a disease worse than cancer is absolutely ridiculous.

      2
      11 months ago Log in to Reply
    38. Maurine Bowser

      I had maybe one 12 month waiting period but after that I could always get it but at bookoo bucks. Highest $1900/mo with huge deductible. On Medicare now but supplemental premiums rise every year.

      11 months ago Log in to Reply
    39. mbulzomi@optonline.net

      I had no problems over 35 years ago when I started working for the Federal Government, I did ask around for a supplemental plan and was told “No Joy”!

      11 months ago Log in to Reply
    40. Missy Kirchem

      Was denied long term care insurance

      11 months ago Log in to Reply

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