Wednesday, August 31, 2011
Paying It Forward - A PWD Needs Our Help!
Tuesday, August 30, 2011
After The Storm: Que Sera, Sera
Sunday, August 28, 2011
After Irene
Thursday, August 25, 2011
Update: My Mother The Fighter
Wednesday, August 24, 2011
Quick Update
Monday, August 22, 2011
Update
Thursday, August 18, 2011
Guest Post: 6 Months Into Life With Diabetes - It's About Nicole!
Wednesday, August 17, 2011
Life Insurance For Diabetes & Other Pre-Existing Conditions
Today's Guest Host has interesting back-story, and here it is.
Last year my BIL (Brother-in-law,) Clark told me about one of his friends/clients, Gordon Conwell.
Back Story: Clark is an uber IT guy, incredibly funny and a really great judge of character. And he's my favorite brother - But that's for another post entirely.
Anyway,Clark told me that Gordon was an independent agent/broker who specializes in impaired risk life insurance. And I was like: WHAAT - English, please!
Turns out, Gordon knows a thing or two about providing reasonable life insurance for those of us with pre-existing conditions, which I'll also refer to as PECs.
One thing led to another; including a mutual email intro via Clark, a flurry of emails between Gordon & I, a few phone calls as well. And I came to the conclusion that Gordon was a good man who provided a great service to those of us with PECs.
Look, nobody likes to think of life insurance, and lord knows I bitch about the high cost of health insurance for pre-existing conditions A LOT.
But here's the thing: Whether you have a pre existing condition and have a family, or a mess of nieces and nephews like me, we shouldn't be priced out of Life/Health Insurance!
So, I asked Gordon to write a guest post on the subject of life insurance for those of us with diabetes - And he agreed.
FYI: While Gordon isn't a PWD, he does have a pre-existing condition, so he "gets" it!
Thanks, & take it away Gordon!
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Even though I'm in the life insurance industry, I've never been a big fan of life insurance companies and their underwriting practices. As someone who was born with a bicuspid aortic valve and had valve replacement at age 40, I pay more for life insurance than I think I should.
I've learned to play the underwriting game for myself and others by shopping thousands of cases and developing relationships with underwriters at the more aggressive companies for people with certain health issues.
One of those health issues is diabetes. The underwriting concerns that insurance companies have about diabetics may be legitimate, but there are a small bunch of life insurance companies making significantly better offers than others for type 1 and type 2 diabetics right now.
Since there's never any guarantee on the exact rate that anyone will qualify for, I'd recommend that all diabetics apply to the 2 most probable best insurance companies for them.
Since any quotes that you're given before you actually apply are only estimates at best, by applying to more than one company you increase your chances of getting a better rate. Plus, competition can make for better offers if your agent lets the underwriter know there's a better offer on the table.
This 2 application strategy has worked really well over the past 20 years. To this day, I'm still sometimes surprised at the difference in rates that 2 different companies will offer to the same person for same plan and amount of life insurance.
There are definitely life insurance companies that are more "diabetic friendly" and the insurance companies that are best for any one diabetic will vary depending on the individuals diabetes and other health history.
Diabetics that are currently getting the best offers are those with A1C of about 7.0 or less, decent history of control with no history of nerve damage, eye problems, kidney problems and overall good health otherwise.
There are other insurance companies that will offer immediate and full coverage to diabetics as long as their A1C is less than 10.0 and/or if they do have neuropathy, retinopathy, other diabetic complications or other health issues.
Then there are also "high risk" life insurance companies that will cover almost all diabetics, even if they have poor diabetic control, more severe diabetic complications and other health issues. These companies offer expensive rates and would not pay out the full insurance amount if death occurs in first 2 or sometimes3 policy years, unless death is caused by accidental means. These companies should only be used as an absolute last resort.
The good news is that almost every diabetic is insurable for life insurance.
If you are going to shop for life insurance as a diabetic, make sure the agent you're dealing with has experience with diabetes cases. Also make sure the agent you deal with can offer you rates from many different insurance companies and that they can easily shop your case to other insurance companies later, if the initial offers you get are higher than expected.
Since I've never met a salesman that indicated he was not good at getting whatever I wanted to buy, use your best judgment in choosing the agent you decide to use and don't get pressured into applying if you're not comfortable with the agent or with the information/rates they provide.
Bottom line is that some life insurance companies have been making significantly better offers to diabetics and due to the advances in treatment for diabetes, this will continue.
This is good news for diabetics that need life insurance or that already have it, but may be paying too much.
Gordon Conwell is an independent agent/broker specializing in impaired risk life insurance. His website is www.americanterm.com and he can be reached at 1-800-380-3533 or gconwell(at)americanterm.com.
Tuesday, August 16, 2011
Guest Post: The Land Of Chronic
Penny from A Sweet Grace, is "Guest Hosting"today while I'm in the second day of my Canadian Adventure.
Penny and her amazing type 1 daughter Grace are truly fantastical in so many ways!!!
I admire the way Penny parent's Grace, and I love the way she allows Grace to be an active participant in her diabetes. Plus, Penny is a hoot! She makes me laugh and she's a great friend!
Grace is also playing "Guest Host," and she's a real firecracker! Seriously, that girl is funny, bright, articulate, a pistol, and girlfriend is a Diva Fashionista!
I look at Grace, and I see my 9 year CWD self - Sans the fashion sense and the beautiful blue eyes.
And I learn so much from Grace. Like that sequins are not just for evening wear, celery is the 'surprise' in "Tuna Surprise," and I learn to continue to see the world through the eyes of a wise beyond her years & almost tween. Except that I don't have nearly as much confidence as Grace - Or Bieber Fever!
I love Penny and Grace very much - And had it not been for this thing called diabetes, we would have never crossed paths. And like each of you in the DOC, Penny & Grace are what (who?) makes my "diabetes glass," half full.
Take it away ladies!!!!!
The Land of Chronic
By Penny Starr-Ashton
There are days that I still cannot believe it. That Grace has Type 1 Diabetes and it’s for LIFE. I mean, I know it, deep in my soul, that she does and she will. (Insert swelling theme music here and the standard CURE mantra - how many years until the cure, 5-10-20-30 years???) But it’s still hard to believe, if you know what I mean. The un-endingness of it all, the 24/7 of it all, the, well, the chronic-ness of it all.
May I have the definition of chronic please?
chronic : always present or encountered; especially : constantly vexing, weakening, or troubling <chronic petty warfare>
Well, thank you Merriam-Webster, cause that’s a little enlightening don’t you think?
Always present. Yep, that one was right on the money. It’s always there, the need to address the diabetes. Every. Darn. Day. It always shows up, is never absent and it’s never late. It would have been a good school student, getting that A+ for perfect attendance all these years. It’s just always, so, here.
Always encountered. Looking for a chance meet-up? Count on diabetes. It’s everywhere. It’s in the walking, the eating, the laying down, the running, the sleeping, the showering, the gardening, the snacking, the playing and I could go on, but the darn things shows up everywhere. It’s like the party guest you cannot get rid of no matter how you try. I look around corners and there it is. I open the bread drawer and there it is. Damn thing needs a home, and not mine.
Constantly vexing. Did you totally just nod your head and say ‘Absolutely!’ cause tell me that you ate the same thing two days in a row and bolused the same and got different numbers, right?! Right. Vexing is too pretty of a word, it conjures up spells and witchery and a little sexy number too. Diabetes, I have never once thought of you as sexy, I am afraid to say. You do vex me in the way you operate though, slyly upping the numbers one day, slyly sending the numbers down the next. You do constantly try to trick me and you throw me a total conundrum wrapped in a puzzle wrapped in a sphinx wrapped in a soft pretzel with cheese sort of trick. It can only be unlocked through an extended bolus with a temp basal with a step to the right, a 360 turn and three jumps while scratching your head. Yeah, you vex alright.
Weakening. Oh diabetes, sometimes you weaken my spirit. The chronic-ness of it all weighs on me at times and I try not to let my 9 year old gal see it. But you sometimes weaken my heart and my brain. My strength breaks down and in slips nasty thoughts of night-time lows, not waking up, ketones and DKA. But I have some words for you diabetes: I am stronger. Grace is stronger.
Troubling. In more ways than one, huh?! Trying to SWAG a bolus for a homemade cupcake brought in for a school treat that has ‘a lot of icing Mommy’ over the phone, when it’s time to eat lunch in school and she’s already late as it is. That’s troubling. Basals that reduce me to tears on some days, trying to figure the damn things out. Worrying about complications, that’s the biggest worry of all. Troubled that my gal will live a shorter life because of diabetes and praying that God takes me first. Troubled about the ‘what if she has a low and no one is around to help her,’ that’s always a doozy too.
Whew. That’s the chronic-ness of the diabetes in our lives. It hits me some days, just like this. It’s like a wave that washes over me, then it’s done. The waves are less than they were at the beginning of Grace’s diagnosis and I suspect in the next 5-10-20 years they will subside to tinier waves, as we all grow and change and well, accept more.
Thankfully, and mercifully, most of our days are spent not in the chronic part of our lives. They are spent in the moment, the non-troubling, non-vexing, non-weakening moment. I don’t pretend to live there all the time though. The land of chronic calls me to visit every now and then.
Diabetes Stinks
by Grace Ashton
I love the summer, but I hate diabetes.
It’s fun to go swimming, but not fun to prick.
I love hanging out with my friends, but I hate coming home to test.
I love everything about summer, but I hate everything about diabetes.
Monday, August 15, 2011
Guest Post: Off The Beaten Path With Diabetes
Speaking of adventures, today's Guest Host is Sam Gellman - And he's quite the Explorer/Adventurer, Photographer & PWD.
Sam is traveling the globe, capturing amazing photos and stories and proving that life is what you make of it - And that life with diabetes can be part of a much grander adventure!
I've never met Sam, but I'm certainly inspired by his photos, stories, & his ability to take his diabetes and explore all the world has to offer! And I absolutely know that you'll be inspired too!
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Fast forward 12 years later, and I’m living in Hong Kong, working in finance and maintaining a small photography business on the side.
When I arrived in Hong Kong five years ago, I didn't realize how much my passion for photography would create a constant ‘need’ to be finding newer and more ‘off the beaten path’ destinations for travel. While in Asia, I have swung through zip lines in the jungles of Laos, flown balloons over Bagan In Burma, and hiked to abandoned monasteries in Bhutan.
Lucky Monkey?
One story from Burma stands out. A foreigner I met had been bitten by a monkey while climbing a mountain a day early.
As the monkeys can carry disease, he went to a doctor for advice. The doctor told him not to worry as he was bitten on the first day of the month, which is traditionally a very lucky day. He ended up ok, but his view of Burmese medicine was tarnished.
This story reminded me that while the third world can be fun and interesting, the emergency medical system for diabetics would seriously lack and all treatment needs to be entirely self-managed and controlled.
With this in mind, I generally have a few rules when I am truly out on the road:
(1) Always have a fully stocked back-up kit, preferably in the hands of someone else.
I lose everything, including diabetes kits. I'm normally exceedingly careful while traveling, but insulin vials can still fall and break and testing kits can be left behind. I don’t think I’ve ever needed a back-up kit, but it helps me sleep at night knowing it’s there.
(2) Don’t get low.
Of course I can’t help but get low reactions at times, as every diabetic can attest to, but I really try to avoid hypoglycemic reactions above all other things. In places like Burma, Laos, or Bhutan, where I always need to be in control, this is my top priority.
I sometimes spend days with higher blood sugar to avoid the risk of being low at the wrong time. Dexcom is incredibly helpful for this.
(3) Always have sugar and insulin on your body.
I try to have two packs of Mentos (they have them throughout Asia), in case I get low and need sugar.
I was once stuck on a zip line in the jungle of Laos, 300 feet above ground, for 45 minutes.
Knowing I had sugar and insulin in case anything happened, made the whole situation a bit more relaxing, at least relatively speaking. I pack tons of rolls of candy and multiple extra viles of insulin, and pack them in as many bags as I can.
I still remember when I was first diagnosed, the initial fear that ran through my head was that I might not be able to travel as freely.
While diabetes certainly gives me a bit more to think about when I travel, I can say that my condition hasn’t prevented me from doing anything that I’ve had my mind set on.
I haven’t figured it all out yet (yep, I still get low sometimes, despite my “rule”… and of course get high when avoiding it), but I am always up to discuss diabetes, travel, photography, or any combination.
I post photography and occasional thoughts on Twitter @SamGellman and have much of my photography at www.itsagoodtimetoexplore.com and can be reached at: sam.gellman@gmail.com.
Friday, August 12, 2011
Blue Candles And Standing The Storm.
Blue candles are lighting up facebook, two more young adults taken too soon, and another is in the hospital with DKA - And everyone I know in the Diabetes On-line community is feeling the affects of losing family members we've never met.
And it sucks.
Losing loved ones we know or don't know, to a disease that we share is incredibly scary.
It makes you wonder about your future, your past, and your life in real time. It makes you second guess how your handling your life, and your life with diabetes.
It can stop you in your tracks and makes you feel that you can't move past the grief. It makes you angry and mad and you wonder how you're going to get through it.
What I've learned from losing those I've love to diabetes is this: YOU HAVE TO KEEP GOING, EVEN WHEN YOU THINK YOU CAN'T.
You have to keep living and working and trying and doing - Because now your not just living, working, trying & doing for you - You're doing it for those who no longer can.
Crying is OK and encouraged, being sad is expected, and depression and diabetes go hand in hand.
So reach out to your family and friends - Reach out to a professional, but reach out to somebody - And tell them how you're feeling. And if you see a family or friend in need of help reach out to them - We are in this together.
In the DOC we cry together, laugh together, and are there for one another regardless of geography or demographics.
When one of us needs to be carried, we lift them up and hoist them on our shoulders.
And in times of flicking bluecandles, many need to be carried, and we lean on one another - So that we can stand the storm together.












