Life insurance decline letter

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2024.05.22 01:41 Lovelyhumpback Canada: N.B. Liberal MP calls for loosened right whale protection measures to help fishermen

While looking at whale-related news today, the following article grabbed my attention: N.B. Liberal MP calls for loosened right whale protection measures to help fishermen CBC News
Link: https://www.cbc.ca/news/canada/new-brunswick/n-b-liberal-mp-calls-for-loosened-right-whale-protection-measures-to-help-fishermen-1.7209306
Summary: New Brunswick Liberal MP Serge Cormier has called for a loosening of North Atlantic right whale protection measures to support local fishermen facing economic challenges. The current measures, implemented to protect the critically endangered species, include fishing gear restrictions and area closures. Cormier argues that these regulations are too stringent and harm the fishing industry, suggesting a more balanced approach. Environmental groups, however, emphasize the necessity of these protections to prevent further decline of the whale population, which is already critically low.
This is important news for us Canadian whale lovers. If you live in Canada, please urge your Member of Parliament to take a stand against this idea, and stand with the endangered North Atlantic right whales instead. I have included an email template below, which you can send to your electoral district's MP. Here is a link to a Government of Canada tool to find your local MP: https://www.ourcommons.ca/Members/en
Here is the email template:
Dear Mr./Ms./Mx. [Member of Parliament's last name],
I hope this message finds you well. I am writing to express my deep concern regarding the recent proposal by Acadie-Bathurst MP Serge Cormier to loosen protection measures for the critically endangered North Atlantic right whale, as detailed in the following CBC article: https://www.cbc.ca/news/canada/new-brunswick/n-b-liberal-mp-calls-for-loosened-right-whale-protection-measures-to-help-fishermen-1.7209306
While I understand the significant challenges faced by our fishermen as a result of these protective measures, I firmly believe that the survival of this magnificent species must remain a top priority for Canada.
The North Atlantic right whale population is already on the brink of extinction, with fewer than 350 individuals remaining. Easing the current protective measures could lead to increased whale entanglements and vessel strikes, further threatening their survival. The consequences of such actions are irreversible and would tarnish Canada's commitment to biodiversity and environmental stewardship.
Additionally, Canada has legal obligations under the Marine Mammal Protection Act to ensure the conservation and protection of marine mammals. Weakening these protections would not only endanger the right whale further but also compromise Canada's adherence to international conservation standards and agreements.
I urge you to oppose any measures that would weaken the protections for the North Atlantic right whale. Instead, I encourage you to advocate for alternative solutions that can both support our fishermen and ensure the continued survival of the right whale. These could include:
  1. Investment in Whale-Safe Fishing Gear: Support the development and adoption of innovative fishing technologies that minimize the risk to marine life.
  2. Enhanced Monitoring and Enforcement: Strengthen the monitoring of fishing activities and enforce stricter penalties for violations of whale protection regulations.
  3. Collaborative Solutions: Foster collaboration between scientists, conservationists, and the fishing industry to develop sustainable practices that protect both the whales and the livelihoods of our fishermen.
The survival of the North Atlantic right whale is a critical issue that requires our immediate attention and action. I trust that you, as a member of the Liberal Party, will stand for the preservation of our natural heritage and oppose any measures that compromise the protection of this endangered species. Our actions today will determine the fate of the right whale and reflect our values as a nation committed to the conservation of our planet's precious biodiversity.
Thank you for your attention to this urgent matter. I look forward to hearing about the steps you will take to ensure the right whale is safeguarded for future generations.
Sincerely,
[Your Full Name] [Your Address] [Your City, Province, Postal Code] [Your Email Address] [Your Phone Number]
Thank you to everyone who is participating in conservation efforts! I made the very same post on whales. Feel free to repost this on other subs dedicated to whales and conservation to protect our friends!
submitted by Lovelyhumpback to Cetacea [link] [comments]


2024.05.22 01:37 Acrobatic-Net-4709 Timeline for release of attorney fee?

The VA immediately opened an attorney fee claim under federal law.
It shows up on the va.gov profile, and the attorney sent a letter saying they did not file anything on my behalf, and they did not represent me for very long, out of the 6 years of waiting on the Board of Veterans Appeals.
The attorney fees are automatically withheld. There is no statement from the VA that I am aware of, about the amount they withheld.
Does anyone know how long the VA takes to resolve this?
It shows up as an "open claim" even though no one claimed anything.
The 800 number people at the VA say the VA has no timeline for deciding these things and there is likely a backlog of these "claims."
Just wondered if anyone knows how long this would usually take to resolve.
I was initially confused because it says a veteran needs to "appeal" an attorney fee award if they do not agree.
I figured if the attorney is entitled, then they should get it, but the attorney said they did not file or do anything in the short time, so they declined the fees.
VA received the attorney's decline letter on April 24, and it is May 21.
Has anyone else gone through that and how did it work??
It is not past fees, but instead, fees from the award of an appeal that was pending at the BVA for 6 years.
Thank you.
submitted by Acrobatic-Net-4709 to VeteransBenefits [link] [comments]


2024.05.22 01:37 Alone_Possession_313 My Boyfriend of 2 years is now ordering me to be submissive

My soon to be ex-boyfriend (25m) has been on a “I must submit to him” kick for the past few months. We have been dating for 2 years and this controlling side was not present in the beginning. He constantly tells me (29f) that I must submit to him, always agree with him, and never express my disagreement to him or his decisions, and that I must always obey his wants and needs. For example, he got home from work the other day, I made him a cup of hot tea, made the bed comfy for him, rubbed his back, then I suggested to put a movie on for us. During the movie, I asked him if he could put his hand on my shoulder because I was cold. He got triggered and told me “don’t ever tell me what to do”. On a separate occasion, the very next day actually, I had sent him a text message that required a response. He didn’t reply so I called him. When I called him, I said “hi, I sent you a message can you check it and reply to me”, before he could answer me back, I had hung up the phone already. Immediately after, I received a text from him saying I am “masculine” and “not submissive” for hanging up the phone. He proceeded to make a comment stating “I can’t believe I have to explain this concept to you. A 10 year old would understand”. The most confusing part of this all, is that he is demanding me to submit , yet I am still paying half of all his bills. Additionally, he doesn’t have a car and uses mine. He does not donate a PENNY to help pay for the insurance , the car payment, and doesn’t care about getting my vehicle cleaned for me, or taking it to get an oil change ever, etc. I have been the one who has been taking care of that. I went alone to get my oil changed, I went alone to a tire shop to get a new tire when I got a flat on the road. It seems unfair that he is demanding me to submit, yet still makes me pay half the bills, doesn’t help with the car that he uses , and then has me doing manly things like getting a tire changed by myself ! Not to mention, I’m always the one taking out the garbage , too! Also, I do NOT fall short on other duties as well such as cooking , cleaning , decorating, etc. I am conflicted because when I met this guy, I thought he was the one. Now I am seeing a very dark and controlling side of him. But wait, is this even controlling ? Should I obey and be more submissive ? I would love to close my eyes and let the man in my life lead , but I had to tell his guy how to write out a check , I had to go car shopping alone because he was too afraid that we couldn’t afford a car and just wanted to keep using my mom’s car, I am the one who went apartment searching for us and put down the deposits , so how can I possibly trust him to lead if I am the sole person always making and handling the big decisions… Are all men like this ? Am I the only one who thinks he is in the wrong ? He swears he is right and never takes accountability for his wrong doings. If I were to tell him that, his response would without a doubt be, “what wrong doings”? And proceed to tell me that I “always complain.” Am I complaining ?
TL;DR;: Is it normal in a relationship for your partner to order you to be submissive and agreeable ?
submitted by Alone_Possession_313 to relationships [link] [comments]


2024.05.22 01:36 Wonderful_Most_5132 Newbie looking for real legit advice.

Hey yall, I’m new to the life insurance world and looking to become an agent but the stuff I’m reading on reddit is so iffy about who to stay away from etc. I have a couple of IMOs I’m looking to join and some independent. Some popular ones are symmetry financial and Family First Life. I keep hearing stuff about MLM and pyramid schemes. Idk I guess I need guidance in which agency to start off with. And I don’t want to rely on recruiting to make money or family and friends. I also prefer not to pay a lot for leads in the beginning. Also, I don’t wanna be with one carrier. Any advice would be great, thanks!
submitted by Wonderful_Most_5132 to InsuranceAgent [link] [comments]


2024.05.22 01:35 Chef_Tricky Returning to the post office when 2 weeks wasn’t finished out?

I quit the PO about 3 months ago due to an OIC I had issues with after our post master resigned I never got a PDI in my life and I got tired of the harassment I had 5 from the OIC before I quit.
On top of that I put in my two weeks and only finished out a week before I quit, I also handed my union steward and the OIC a list of reasons I resigned mostly citing the issues I had with the OIC and my steward gave them to his bosses.
However the job I took to leave the post office I have run into issues with and wasn’t all that they promised and I reapplied to come back due to the new post master in charge asking me to come back so I applied for a PTF Clerk position will the system flag my application for not finishing out two weeks and my former PDIs? All I ever got out of the PDI was a formal discussion and that was it no letter of warning or suspension
submitted by Chef_Tricky to USPS [link] [comments]


2024.05.22 01:35 Wonderful_Most_5132 Newbie looking for legit advice

Hey yall, I’m new to the life insurance world and looking to become an agent but the stuff I’m reading on reddit is so iffy about who to stay away from etc. I have a couple of IMOs I’m looking to join and some independent. Some popular ones are symmetry financial and Family First Life. I keep hearing stuff about MLM and pyramid schemes. Idk I guess I need guidance in which agency to start off with. And I don’t want to rely on recruiting to make money or family and friends. I also prefer not to pay a lot for leads in the beginning. Also, I don’t wanna be with one carrier. Any advice would be great, thanks!
submitted by Wonderful_Most_5132 to antiMLM [link] [comments]


2024.05.22 01:34 affectionatesun36789 What job should I take?

Based solely on the information below, what job should I take? Both are the same title.
Current role: -$63K a year base salary plus $5K bonus -15 days PTO and 6 paid holidays -10-12% profit sharing match in 401K l, 25% vested now, 100% vested in 3 years -$30 per paycheck for health and dental, $2400 in HSA from employer yearly, $3400 deductible -disability insurance and $50K life insurance policy employer paid -fully on-site
Job offer: -$75K base salary, bonus tbd -10 days PTO and 6 paid holidays plus 1 floating holiday -4% company match for 401K, 100% vested in 3 years -$100 per paycheck for health and dental, $2500 deductible, $600 in HSA from employer -$10/month for $50K term life -hybrid remote
submitted by affectionatesun36789 to careerguidance [link] [comments]


2024.05.22 01:32 BuildingBetterBack Received first formal offer letter. Are they negotiable?

I interviewed for a job last week and received an offer letter to sign via DocuSign. I've never worked a job where I've received a formal offer letter so I have some questions.
Are benefits negotiable? This company has an IRA matching 3% but doesn't start until you've been there 2 years. Could I ask for it to start sooner?
Hours outlined are "Monday- Friday 730am-530pm (can be negotiated)". They mentioned the hours during the interview but after thinking about it over the weekend I don't want to work 5-10's. I get that's what the company needs and I've always thrown myself into my work and let it consume my life until I burn out. But I've come to a realization I don't want to do that anymore. I'd have a 40 minute drive each way to work. Would it be unreasonable to ask to work 4-10's leaving me the option to work Friday if I want to. Or to ask for a 9-5 so I can work a more sustainable 40 hour week.
During the interview the owner said multiple times, "where have you been all my life" and all 3 people interviewing wanted to hire me. The HR lady has reached out twice since sending the offer and has mentioned they'd be excited to have me on the team. I got back to her today saying I have a couple questions and am going to give her a call in the morning.
Thanks in advance for any advice.
submitted by BuildingBetterBack to careeradvice [link] [comments]


2024.05.22 01:32 Grouchy_Ad_5413 I tried reaching out. Now I feel invisible in one of the few spaces I thought I could go to for support

I've suffered over a year and a half of progress being undone in the wake of this relapse & in my experience both before and after recovery, one of the most vicious and difficult parts of this ED is the inherent gaslight of just how invisible the very nature of this fkn ED.
Now before anyone jumps on me about the rules, I'm not comparing or invalidating other ED's. I'm ranting on my own experiences from my personal perspective on my individual struggles from two opposing ED's. I apologize if any statements come across as inflammatory, I just want to make this clear bc even tho ik no one is likely to give this the time of day I'm only seeking an outlet for my pain, and in case anyone does scroll past this, I want this context so nothing I say risks being received in a damaging way.
I was in a medical magnet program throughout the entirety of high school + summer courses and despite all the classes, units, lessons, and a whole year of school - all focused specifically on health, diet, and nutrition - it took me YEARS and a stroke of blind luck and chance to stumble across something & then later realize not only did non restrictive ED's exist but I myself had one.
I was failed by my education AND my doctors bc even though I was far from healthy and overweight, restriction was the only concern anyone ever had - & likely only as a precaution bc my medication has a known side affect suppressing appetite.
And despite all the results I could pull up with a Google search, I've only ever experienced Binge ED as feeling invisible, dismissed, and invalidated.
I distinctly remember breaking down in frustration over discovering that nothing relating to binge ED would trigger the same content warning/concern pop ups on different platforms that tags and keywords pertaining to restriction & other EDs/mental health struggles are flagged by.
I'd grown so bitter and resentful bc the experiences I had just seem to compound this feeling that my struggle and pain was only ever seen, validated, cared about, etc if it fit some pre-constructed narrative. Like even tho it existed, it wasn't acknowledged or important enough to be on anyone's radar like other issues are. Dealing with an ED sucks, but an ED so seemingly forgotten and dismissed felt like rubbing salt in a wound the world gaslight you about and does it so well you feel like can't even be upset you're being gaslit.
It took me two years to overcome my ED, and I still felt a flicker of resentment when my history in my relationship with food couldn't be avoided bc where before I'd be met with platitudes about body positivity, at a smaller size people would immediately jump to conclusions about the nature of my past struggle with food.
And don't get me started on boundary pushing even after point of recovery. Holidays, celebrations, special occasions. No one tells a recovered alcoholic "oh treat yourself, you can afford it, it's just one glass." And it seems the smaller you are, the more conscious everyone else is about your boundaries with food & more easy it is to disregard your comfort. And like the social awareness of restrictive disorders makes people feel more comfortable in encouraging you to indulge and cross that boundary, especially in cases where you're confronted with someone who weaponizes "body positivity" as a vehicle for their own toxicity.
Being in a smaller body when struggling with a relapse just inflames these sensitivities to an exponential magnitude and I'm now dealing with the vicious whiplash of not just my ED, but the old wounds from before my recovery, the pressures after recovering, and now being met with assumptions trying to seek support and dismissal if I try to get ahead of the assumptions when I just want to reach out and feel seen.
I slipped up some thanks to boundary pushing over the holidays, but it's my medication that tipped me over into a full blown relapse and despite raising concerns with my doctor, seeing my weight increase steadily over time with episodes becoming more and more frequent, my concern has been brushed aside and I've now been left with the devastating impact of facing a year and a half of recovery undone and stuck taking a medication that is triggering my ED and an overall feeling of suffering for things entirely out of my control.
It took years finding what meds worked for me, and unfortunately mine carry a stigma and have a well known side effect of suppressing appetite. There's also a nationwide shortage and each prescription that gets filled feels weaker and weaker. Prior to my recovery, I was quite sedentary and while I've finally gotten to a place where I'm invested in my quality of life and am thriving pursuing a demanding lifestyle that's kept me active and engaged in my day to day, managing my disability requires a higher threshold than my current dose can meet and while my prior dose was most effective and is one I had for years, it's higher than standard and my doctors are reluctant to help me.
So I face having to overcome the stigma my meds carry, trying to build trust with my medical providers to gain back the Healthcare I lost to depression (& losing my Prior insurance/coverage - too $$$), am working gradually towards increasing my dose amidst a shortage where others with my disability are universally reporting weakened-totally ineffective prescription, and because my meds were adjusted (increased for one, decreased proportionally for the other) my doctor dismissed my concerns citing the lowered dose when I stated my new meds trigger my appetite even tho I could have eaten and be full shortly before they take effect.
I can't stop these meds but keeping them makes me feel insatiable and is inflaming binge episodes but it's effect on my appetite is dismissed as a change of dose and if not being able to manage my disability well enough with this lower dose isn't enough to advocate for my meds, raising a weight concern with a medication that is reputed to be an appetite suppressant is going to work against me even more.
The end result has me now at the point of calling out of work on bad days to spare the mental distress of having to tie an apron around my waist and be a constant trigger the entirety of my shift, and feeling like my only options are to choose between managing my disability or my ED -
All because no one takes binge eating seriously and so stubbornly clings onto the societal view of restrictive disorders as the default and if you're small your struggles with eating aren't valid outside those parameters.
I just want to pursue health, happiness, and mental & physical wellness and not let my disability or disorders be a barrier to my pursuit in sustaining quality of life.
I've never felt so powerless, unseen, or alone.
submitted by Grouchy_Ad_5413 to BingeEatingDisorder [link] [comments]


2024.05.22 01:30 BuildingBetterBack How to negotiate an Offer Letter?

I interviewed for a job last week and received an offer letter to sign via DocuSign. I've never worked a job where I've received a formal offer letter so I have some questions.
Are benefits negotiable? This company has an IRA matching 3% but doesn't start until you've been there 2 years. Could I ask for it to start sooner?
Hours outlined are "Monday- Friday 730am-530pm (can be negotiated)". They mentioned the hours during the interview but after thinking about it over the weekend I don't want to work 5-10's. I get that's what the company needs and I've always thrown myself into my work and let it consume my life until I burn out. But I've come to a realization I don't want to do that anymore. I'd have a 40 minute drive each way to work. Would it be unreasonable to ask to work 4-10's leaving me the option to work Friday if I want to. Or to ask for a 9-5 so I can work a more sustainable 40 hour week.
During the interview the owner said multiple times, "where have you been all my life" and all 3 people interviewing wanted to hire me. The HR lady has reached out twice since sending the offer and has mentioned they'd be excited to have me on the team. I got back to her today saying I have a couple questions and am going to give her a call in the morning.
Thanks in advance for any advice.
submitted by BuildingBetterBack to careerguidance [link] [comments]


2024.05.22 01:30 lonelyants Company pulled "bait and switch" with my new schedule. I'm not sure what to do.

I'm sorry if this is the wrong place to ask for this kind of advice, but it's the first place I thought of.
I work from home in customer service for a large company that is constantly expanding without hiring new people. For this reason, existing employees are currently having their assigned schedules stripped away so that new ones better aligned with "business needs" can be assigned based on our metrics (highest metrics = first to pick, lowest = you get what's left).
As fucked up as this system sounded, I'd been dying for a new schedule and worked my ass off for a shot at some sort of work/life balance. When schedules were finally announced I got exactly what I asked for, with the stipulation that I'd need to do some additional training I'd previously declined as it meant almost doubling my workload for no additional pay. I agreed to this ONLY because my new schedule was an absolute dream, and (in my mind) just as good as a raise.
A week later, we get an email saying that the start date for our new schedule was being pushed back. I was annoyed, but I got over it since there was no mention of those schedules being changed. I go through with my training - it's hell - and continue working as usual while counting down the days until I'm able to clock out while the sun is still up. For those few weeks, my manager was out of office several times on 3-4 day vacations. Our team would occasionally receive forwarded emails from other managers with important info that she wasn't there to give us.
A week ago, I get a message from my manager a few minutes before I get off asking why I hadn't submitted my new shift preferences list as it would be due that evening. I checked every single email I'd received since it was announced that our new schedules were being postponed - I got nothing. I let her know this, and she says she can't find the email either and will just use the one I submitted originally. Again, I'm annoyed, but I figure my new new schedule can't be too different as my metrics had been consistently high.
I got that new new schedule today, and it is more or less my current schedule without the consecutive off days (think 10 hour shifts, off Mon, Wed, Fri). Out of maybe 20 possible schedules, it was more than halfway down my original preference list. I checked and double checked, and my metrics are actually higher now than when my dream schedule was awarded. I genuinely have no idea how this happened, and I waited around for half an hour after I got off in hopes of asking my manager but she marked herself out of office not long after I sent an email asking for clarification. No prior notice she'd be away, and no word on when she'll be back.
What am I supposed to do about this? I'm infamously bad at putting my foot down, but I can't imagine continuing at this company without getting the scheduled I worked for.
Tl;Dr: I was promised a new, easier schedule based on my high metrics. I agreed to take on additional work for this easier schedule. I just found out that - despite me taking on the additional work and still keeping my metrics high - I will actually be getting a different, shittier schedule. Who do I yell at and how loud?
submitted by lonelyants to antiwork [link] [comments]


2024.05.22 01:27 Internal-Day9256 26 [F4A] Spain/ Europe - Looking for that special someone

Hello!
I hope you are doing well! :)
I don’t really know how to start this post, as you can imagine I would like to find that special someone :D It’s definitely not easy, and I don’t have too much hope when writing this post, but I feel a lot like writing! So maybe I will try my luck!
About me:
I am a pretty normal person, I like simple things and even though I always thought that was bad (when I was an edgy teenager) the older I get the more I am keen on having a simple yet beautiful life. And I am working towards that right now.
I have not had an easy life, let’s just put it that way, so I have dealt with depression for a long time as well as anxiety. I want to be honest about this because it can be a dealbreaker for some people. I am getting better thanks to my therapist and medication.
In my free time I love cross stitching, watching tv shows and listening to music (I am really excited about this Twenty One Pilots album coming soon!) i also love going to the cinema, taking a walk, going to the beach and swimming (although I don’t swim very well) and traveling (I would love to travel more).
I also would love to read more (I feel like I am blocked right now when it comes to book) and learn how to use a camera properly as I also like photography. I also would love to find some penpal friends (in case you’re interested in writing letter let me know! :) )
I consider myself to be a good listener, loyal and trustful. I don’t drink or smoke (never have) and I am looking for someone who doesn’t smoke either or who drinks too much.
What I value the most in a relationship is honesty and communication. I prefer to know the truth even if it hurts than living in a lie. I also like to be able to communicate how I feel and I also expect my partner to be able to communicate with me whatever they are feeling (especially if it is regarding the relationship). I also love hugs and holding hands.
I am greysexual. Sex and sexual attraction are not important for me in a relationship, so if it is important to you, we may not be a good match!
Physically I am quite short (1,54 cm), slim, short wavy hair. I do not really have any style when it comes to clothes but my favorite trend right now is cottagecore and fairycore.
What I am looking for is:
Someone honest, caring and who loves hugs! Who also believes communication and honesty are fundamental in a relationship.
As I said sexual attraction is not important for me, but I really like someone who takes care of themselves (I know this may sound basic, but who showers regularly, who likes to style their clothes, who takes care of their stuff and who is organized and tidy). I do not drink or smoke so I would prefer to date someone who doesn’t drink/smoke either.
Someone around my age and preferably from Europe due to the distance, but I am also open to get to know people from other parts of the world:)
Thanks for reading this! Have a good day/ night!
Edit: sorry for the edit! I forgot to mention that I would appreciate if you could write a little bit about yourself if you decide to message? That would be great! Also let me know what’s your favorite song! :)
submitted by Internal-Day9256 to ForeverAloneDating [link] [comments]


2024.05.22 01:25 nothinghaschanged3 Not given refractory test at eye exam after 5 years. Given the same prescription from 5 years ago.

Age: 25 Sex: F
I have not been to the eye doctor for a standard exam in 5 years.
I waited 6 months for this appointment.
When I am called into the exam room, I am first asked to cover my left eye and read the letters from the slides that the tech is flipping through. She stops at the slide I start to have trouble with which is about 4 to 5 slides in. I repeat the same with my right eye covered.
I am then given some eye drops and she performs a pressure test.
Then, I am giving some drops to dilate my eyes, and I wait for the doctor to come in.
The Doctor looks at the health of my eyes using a series of bright lights and me looking in different directions. I had to rest my chin in some apparatus at one point. It was brief. He said my eyes look healthy.
I am then told that my tech will print out the prescription and that I'm good to go. The doctor leaves.
The tech prints my prescription. I try asking the tech while I was still in the room, why I wasn't giving a refractory test but she essentially ignores me, leaves the room, and I follow.
I then try to ask the receptionist if she might know why I was not given the test. She becomes a bit annoyed with me for asking, and says she'll call the tech back.
When the tech comes back, I just tell her that I was curious why I wasn't given a refractory test. She responds that I was just given the same as my previous prescription. I asked her, "wouldn't my eyes have changed in 5 years?" She responds, "not at our age." I stop pushing, say 'thanks,' and leave.
Is this standard practice to not be given a refractory test after 5 years of not having one?
I just don't see how they can know that my prescription is optimal. My insurance covers a refractory test. I've gotten one at every single one of my previous eye exams.
I have not been wearing my glasses for the previous five months because they're so damaged. I am unable to use them to gauge my vision in their current state.
I feel gypped, but I don't know if I should feel this way.
Thank you.
submitted by nothinghaschanged3 to glasses [link] [comments]


2024.05.22 01:23 Dazzling_Squash7058 Anyone here had luck with getting reconsideration request approved >1 year after you've retired?

In October of last year I received a package with all my retirement paperwork, effective 20 April. However, I still had active Tricare Reserve Select, and I paid the premium every month, so I did not think much of it.
I went into the ID card office last week to update DEERS. Then called Tricare to enroll, and they we'll need to back date this to 20 April. However, since it's been over a year, and it's outside open enrollment, you'll need to submit a "reconsideration request" explaining why you did not enroll within the alloted one year of your retirement. Someone will respond in 30-40 days.
Meanwhile my fam is without insurance. Best case is it's approved and backdated; worst case is they say no and I have to wait until open enrollment to get insurance. Oh and the best part is every claim for the last year will be reversed and I'll be liable for the full balance. I said but I've been paying premiums and had effective coverage. "It's not valid, your TRS stop date is 20 April 2023, so we will not pay any claims after that time".
Going to write a letter and send evidence that I didn't get retirement papers until six months after the fact.
submitted by Dazzling_Squash7058 to tricare [link] [comments]


2024.05.22 01:17 poppypess Vote Claremont, Emmys Edition

Vote Claremont, Emmys Edition
This is late, but my friend and I went to the for-your-consideration event for RWRB. It was a trip.
But it was a work function first. Members of the TV Academy—and their plus-ones, if they received one—gathered in a studio in the sweaty belly button of Hollywood. If you were a normal Angeleno like u/sixfivesteve (the friend), you sat in your car blasting the AC while the valet line bumped forward one car length at a time. If you were from a walking city, you pushed past the slow-moving tourists, hoped the flies circling a mysterious stench didn’t lay eggs on you, and checked in with an attendant who wore a concerning amount of black for someone whose job was to stand in direct sun.
There was a (life-changing) screening of the movie, a panel, and a reception. There was also retail politics. Here’s what happened.

Whoever put together the playlist knew what they were doing

The vibe before the screening was jolly. There was a whole bathroom conversation about 1) therapeutic cannabis, because you’ve gotta, and 2) people everyone has run into.
Ushers handed out mini-servings of popcorn that felt stingy as hell but were probably just nutritionist-recommended serving sizes. Steve grabbed candy and water that came in slightly less environmentally disastrous packaging than the stuff you’d get from most grocery stores.
Whoever put together the playlist had done their homework, by which I mean they’ve spent time on the non-broey part of the internet.
This is where I tell you that the event featured strip club music, by which I mean they played “Pony” by Ginuwine. Before and after the screening. It was as if whoever set up the playlist knew that some attendees’ brains—and bits—might explode, reconstitute themselves, and implode again under stimulus (the movie), work event be damned.

The screening was a case for seeing movies in theaters for the sound. Because…

You could hear the beginning of the blow job.
You could hear the beginning of the blow job.
You could hear the beginning of the blow job.
In the space of about a second, I went from living in a world in which that scene had a lil’ zipper sound to one where the zip was followed by a flat, wet drag. The sound had texture. It almost had temperature.
Y’all, I am forever changed. Always see movies in the theater. Nolan, Tarantino, et al have talked about this. They’re right.
Listen to this man before he teaches you a lesson.
Something else I’d seen but never before heard while watching the movie in home setups: Bea says “no!” when Henry declines Alex’s call in the meeting with Philip, Tommy, and other palace staff. She doesn’t just mouth it.
Her interjection interrupts Philip mid-sentence, who glares at her and says, “As I was saying…”
It’s also just fun to hear the audience’s reactions. Some of the laugh lines:
  • “You’ve been wanting him to dick you down for years.”
  • “How many guys have you been with?” “Whoa.”
  • “He is. 😏” An audience member let out a sound like a hyena choking itself with a belt.
  • “I’m down.”
  • “I mean, who says ‘make love’ anymore? Are we gonna listen to Lana del Rey while we do it?” You guys, he said do it. Because I'm twelve.
  • “The B in LGBTQ is not a silent letter.” Man, politicians’ kids must hear all kinds of pamphlet-speak at home.
  • “Little lord fuckleroy.” Sarah Shahi is going from lesbian icon to overall queer icon with this role. Zahra/Sarah got massive applause during the end credits.
  • “We have got to get you a book on English history.”
Somehow no one laughed about Stephen Fry’s pronunciation of homosexual. Hummusseggsual. It’s hummus but it’s also seggs-ual.
Speaking of sexual, the crowd held its breath during the sex scenes.
Emmy voters have watched plenty of sex scenes with their colleagues, but after the bravely-repressing-a-wobble acknowledgement of I owe you an explanation, after ~very bad things~ in Alex's room, after the phrase “make love”—which deserves to be not just roasted but incinerated—the Paris sex scene was…relief? Revel? Revelation?
Look at me trying to talk around the effect the scene (may have) had on the room. People were off-gassing oxytocin. Estradiol. Testosterone. Since it was a work event, the weight and texture of the hush was what you’d get if everyone on a group camping trip was trying to discreetly watch porn. (To paraphrase the dad from Easy A, high-end porn—for governors and athletes, but porn nonetheless.) But I project.

Uma Thurman did an Ariana Huffington laugh during the panel

I laughed and laughed and laughed.
What should I say about the panel? That everyone’s features were somehow both full and sharp enough to thin-slice the cured meat of your choice? That Taylor Zakhar-Perez made a small breeze every time he blinked? That Nicholas Galitzine was a diffident dumpling? That Uma Thurman was an intellect? That Rachel Hilson was lithe and and fresh-faced and ready for any cosmetics campaign you threw at her—which, incidentally, has always described Uma Thurman? That Matthew López was extremely cute? That Greg Berlanti was the dad/uncle some of your friends wanted as a mentor and others had wholesome crushes on? That Sarah Schechter was the friend’s cool older sister made good? That if you put the RWRB cast into an early Almodóvar movie, the result would be credible?
Whatever I can say about the panel, you can get more straightforward coverage and footage of it elsewhere, including this subreddit. (Check out the post from the woman who got so horny from watching the movie that she started going after her husband nonstop.) I did a search on Tumblr for “RWRB FYC panel” for you. You’ll get Galitzine saying “the throes of love.” You’ll get TZP talking about matcha. You’ll get Casey McQuiston—that perfectly cast nonbinary creator-god of the RWRB universe—describing their brush with psychological collapse when TZP tried to have a conversation with them while in costume as Alex Claremont-Diaz. Enjoy.

The campaign trail is paved with selfies

Campaigning for nominations—and eventually, awards—is not so different from running for public office. The panel ended and everyone was set loose on the panelists and the “immersive for-your-consideration experience.” (Sure.)
Getting to the cater waiters to pinch mini-tacos, meh crabcakes, fish and chips with tartar sauce instead of vinegar (why?), and tiny cake cubes was like wading upstream. The crowd was moving in the opposite direction. Why?
…oh.
Galitzine was taking photos with people. Elsewhere in the immersive whositwhatsit, TZP was doing the same thing with a swarm of his own.
https://preview.redd.it/rkp916mxzu1d1.jpg?width=1818&format=pjpg&auto=webp&s=e01a4cf99ae5163c766e8bc284f219526b450e3a
https://preview.redd.it/hzco2eev4v1d1.png?width=750&format=png&auto=webp&s=922d4d097f214d4bb9a5747de05b76cfe579d23b
I’d thought they were on display during the panel, but no. This was what they were there for. They were there to shake hands, talk shop briefly—with occasional promises to follow up later—and take selfies. The reward for all this would (theoretically) be nominations and votes. This was a campaign stop. On-theme for RWRB. Cue montage of Alex Claremont-Diaz making fundraising calls.
Can you get a charley horse in your face? I bet the actors had them, but that’s campaign life. Forward Together and all that.
Matthew López and the producers wandered the floor. At one point, I heard Casey McQuiston tell a small group about how they didn’t have any particular in with agents or publishers. It often is about flinging yourself out there, whatever you want to do.

A vote for RWRB is a vote for softness (stop reading here to avoid egghead content)

While we’re speaking in campaign terms, who and what is RWRB for? It’s for people who love love. It’s for people who love fun—who are fun, dammit. It’s for people with uomosexual tendencies (uomo = Italian for “man”). It’s for the occasional lucky straight guy. Most of all, it’s a refuge from straight-guy culture.
Here’s what I mean. The two RWRB panels and the Roast of Tom Brady happened in the same week-long time frame. If you’re reading this, you’re almost definitely in the tank with RWRB. The Roast is straight-guy culture cranked up to eleventy billion by comparison.
If we go by the Roast, straight-guy culture looks like big men the color of medium-rare steak yelling dick jokes from the dais—but using the less funny and more aggressive and self-regarding “cock” instead. It looks like Gronk pretending he can’t read and using Kim Kardashian’s genitalia to make a beef pun. It looks like Nikki Glaser, the token straight-woman comedian, being a good sport while the men in attendance called her ugly.
Don’t get me wrong. I watched and laughed. A good dick joke takes skill, and some of them were damn good. I even thought Julian Edelman was hot for 20 minutes. But the tonal difference between the Roast and the RWRB event—to say nothing of RWRB itself—was jarring. Straight-guy masculine culture is so committed to not being soft. Don’t go soft is basically its motto.
Meanwhile, RWRB is about—among other things—softness. Henry Car-Crash-of-Last-Names gives the object of his attraction the up-and-down, but in a way that’s more endearing than objectifying. He doesn’t do the hard stare. He’s all-in on Byron, Austen, Zadie Smith, and…Streisand. Unlike Gronk, Henry can read, and he reads with relish.
So does Alex, of course. The American is sweet and proactive. When he develops feelings for a friend with (many) benefits, he’s matter-of-fact about it and doesn’t get defensive or evade his emotions.
In other words, Alex and Henry’s masculinity is soft. Soft masculinity acknowledges the dimensions of a person beyond how well they can slam into other men (sporty or sexual) or women (sexual). For a lot of people, soft masculinity is a fantasy and a gift.
It can be a gift to anyone. Look at Steve. He finds that version of masculinity intoxicating, even as someone who’s already a winner of the masculinity lottery, at least as defined by large parts of straight-guy culture. He’s white and tall and strong and has hoes (houses), not in every area code—sorry, rappers who talk about that kind of thing—but some good ones. He loves RWRB. Everything about it. (Lest you thirsty beasts start having big thoughts about him, he’s married.)
Steve even inserted himself into the height contest/debate Galitzine and TZP sometimes have for lulz. He had a “you’re wearing lifts” conversation of his own. Not with TZP. With Galitzine, who joked about wearing lifts himself. It was still not enough to top Steve. (How funny would it be if this is when I reveal that Steve is Conan O’Brien? To be clear, he’s not. Besides, Conan O’Brien is sixfourconan.)
— — — —
The next night, while Steve and I were still catatonic from staying up until alarming hours, another panel took place in front of a crowd of people who didn’t need to consider anything about RWRB. They were already real-ass, excited fans who saw Alex and Henry—and for some of them, Galitzine and TZP—as secular saints of cheerful-romantic-triumphant horniness. Avatars of the kinds of guys you could have a crush on in middle- and high school without raising alarms (unless you were a boy being raised by homophobes, in which case I’m sorry).
The audience on that second night got the news of a sequel from Matthew López, who spoke directly to them from the stage. They cheered and whooped and began their vigil for round two. Sí, se puede.
submitted by poppypess to redwhiteandroyalblue [link] [comments]


2024.05.22 01:16 OFO1018 Am I F’d?

I scored my first cs job during 2022-2023 for a fintech company but left after 9 months due to rapidly declining mental health and poor work life balance / office environment which effectively scarred me and made me want to stay away from the field for a while. I’ve spent the past year+ working mainly with SQL in a data analyst role but have been looking to break back into the field software engineering/ application development. I am seeing a lot of doom and gloom lately regarding the job market.
How fucked am I to try and get a job in this market? Should I just hunker down and work on developing other skills? I am thinking of revisiting React but have no idea where to start for the most “employable” skills to learn. Any insights/advise would be much appreciated.
submitted by OFO1018 to cscareerquestions [link] [comments]


2024.05.22 01:16 Lovelyhumpback Canada: N.B. Liberal MP calls for loosened right whale protection measures to help fishermen

While looking at whale-related news today, the following article grabbed my attention: N.B. Liberal MP calls for loosened right whale protection measures to help fishermen CBC News
Link: https://www.cbc.ca/news/canada/new-brunswick/n-b-liberal-mp-calls-for-loosened-right-whale-protection-measures-to-help-fishermen-1.7209306
Summary: New Brunswick Liberal MP Serge Cormier has called for a loosening of North Atlantic right whale protection measures to support local fishermen facing economic challenges. The current measures, implemented to protect the critically endangered species, include fishing gear restrictions and area closures. Cormier argues that these regulations are too stringent and harm the fishing industry, suggesting a more balanced approach. Environmental groups, however, emphasize the necessity of these protections to prevent further decline of the whale population, which is already critically low.
This is important news for us Canadian whale lovers. If you live in Canada, please urge your Member of Parliament to take a stand against this idea, and stand with the endangered North Atlantic right whales instead. I have included an email template below, which you can send to your electoral district's MP. Here is a link to a Government of Canada tool to find your local MP: https://www.ourcommons.ca/Members/en
Here is the email template:
Dear Mr./Ms./Mx. [Member of Parliament's last name],
I hope this message finds you well. I am writing to express my deep concern regarding the recent proposal by Acadie-Bathurst MP Serge Cormier to loosen protection measures for the critically endangered North Atlantic right whale, as detailed in the following CBC article: https://www.cbc.ca/news/canada/new-brunswick/n-b-liberal-mp-calls-for-loosened-right-whale-protection-measures-to-help-fishermen-1.7209306
While I understand the significant challenges faced by our fishermen as a result of these protective measures, I firmly believe that the survival of this magnificent species must remain a top priority for Canada.
The North Atlantic right whale population is already on the brink of extinction, with fewer than 350 individuals remaining. Easing the current protective measures could lead to increased whale entanglements and vessel strikes, further threatening their survival. The consequences of such actions are irreversible and would tarnish Canada's commitment to biodiversity and environmental stewardship.
Additionally, Canada has legal obligations under the Marine Mammal Protection Act to ensure the conservation and protection of marine mammals. Weakening these protections would not only endanger the right whale further but also compromise Canada's adherence to international conservation standards and agreements.
I urge you to oppose any measures that would weaken the protections for the North Atlantic right whale. Instead, I encourage you to advocate for alternative solutions that can both support our fishermen and ensure the continued survival of the right whale. These could include:
  1. Investment in Whale-Safe Fishing Gear: Support the development and adoption of innovative fishing technologies that minimize the risk to marine life.
  2. Enhanced Monitoring and Enforcement: Strengthen the monitoring of fishing activities and enforce stricter penalties for violations of whale protection regulations.
  3. Collaborative Solutions: Foster collaboration between scientists, conservationists, and the fishing industry to develop sustainable practices that protect both the whales and the livelihoods of our fishermen.
The survival of the North Atlantic right whale is a critical issue that requires our immediate attention and action. I trust that you, as a member of the Liberal Party, will stand for the preservation of our natural heritage and oppose any measures that compromise the protection of this endangered species. Our actions today will determine the fate of the right whale and reflect our values as a nation committed to the conservation of our planet's precious biodiversity.
Thank you for your attention to this urgent matter. I look forward to hearing about the steps you will take to ensure the right whale is safeguarded for future generations.
Sincerely,
[Your Full Name] [Your Address] [Your City, Province, Postal Code] [Your Email Address] [Your Phone Number]
Thank you to everyone who is participating in conservation efforts! I made the very same post on whales. Feel free to repost this on other subs dedicated to whales and conservation to protect our friends!
submitted by Lovelyhumpback to Cetacea [link] [comments]


2024.05.22 01:14 Lovelyhumpback Canada: N.B. Liberal MP calls for loosened right whale protection measures to help fishermen

While looking at whale-related news today, the following article grabbed my attention: N.B. Liberal MP calls for loosened right whale protection measures to help fishermen CBC News
Link: https://www.cbc.ca/news/canada/new-brunswick/n-b-liberal-mp-calls-for-loosened-right-whale-protection-measures-to-help-fishermen-1.7209306
Summary: New Brunswick Liberal MP Serge Cormier has called for a loosening of North Atlantic right whale protection measures to support local fishermen facing economic challenges. The current measures, implemented to protect the critically endangered species, include fishing gear restrictions and area closures. Cormier argues that these regulations are too stringent and harm the fishing industry, suggesting a more balanced approach. Environmental groups, however, emphasize the necessity of these protections to prevent further decline of the whale population, which is already critically low.
This is important news for us Canadian whale lovers. If you live in Canada, please urge your Member of Parliament to take a stand against this idea, and stand with the endangered North Atlantic right whales instead. I have included an email template below, which you can send to your electoral district's MP. Here is a link to a Government of Canada tool to find your local MP: https://www.ourcommons.ca/Members/en
Here is the email template:
Dear Mr./Ms./Mx. [Member of Parliament's last name],
I hope this message finds you well. I am writing to express my deep concern regarding the recent proposal by Acadie-Bathurst MP Serge Cormier to loosen protection measures for the critically endangered North Atlantic right whale, as detailed in the following CBC article: https://www.cbc.ca/news/canada/new-brunswick/n-b-liberal-mp-calls-for-loosened-right-whale-protection-measures-to-help-fishermen-1.7209306
While I understand the significant challenges faced by our fishermen as a result of these protective measures, I firmly believe that the survival of this magnificent species must remain a top priority for Canada.
The North Atlantic right whale population is already on the brink of extinction, with fewer than 350 individuals remaining. Easing the current protective measures could lead to increased whale entanglements and vessel strikes, further threatening their survival. The consequences of such actions are irreversible and would tarnish Canada's commitment to biodiversity and environmental stewardship.
Additionally, Canada has legal obligations under the Marine Mammal Protection Act to ensure the conservation and protection of marine mammals. Weakening these protections would not only endanger the right whale further but also compromise Canada's adherence to international conservation standards and agreements.
I urge you to oppose any measures that would weaken the protections for the North Atlantic right whale. Instead, I encourage you to advocate for alternative solutions that can both support our fishermen and ensure the continued survival of the right whale. These could include:
  1. Investment in Whale-Safe Fishing Gear: Support the development and adoption of innovative fishing technologies that minimize the risk to marine life.
  2. Enhanced Monitoring and Enforcement: Strengthen the monitoring of fishing activities and enforce stricter penalties for violations of whale protection regulations.
  3. Collaborative Solutions: Foster collaboration between scientists, conservationists, and the fishing industry to develop sustainable practices that protect both the whales and the livelihoods of our fishermen.
The survival of the North Atlantic right whale is a critical issue that requires our immediate attention and action. I trust that you, as a member of the Liberal Party, will stand for the preservation of our natural heritage and oppose any measures that compromise the protection of this endangered species. Our actions today will determine the fate of the right whale and reflect our values as a nation committed to the conservation of our planet's precious biodiversity.
Thank you for your attention to this urgent matter. I look forward to hearing about the steps you will take to ensure the right whale is safeguarded for future generations.
Sincerely,
[Your Full Name] [Your Address] [Your City, Province, Postal Code] [Your Email Address] [Your Phone Number]
ETA: Thank you to everyone who is participating in conservation efforts!
submitted by Lovelyhumpback to whales [link] [comments]


2024.05.22 01:12 SouthMaintenance3438 I (M24) was told by my gf (F22) that she feels her love for me is now more platonic (caring type of love) than romantic and also felt sexual feelings for a coworker a week ago. We’ve been dating for a little over 2 years and still both virgins

Hi - sorta long post. I met my girlfriend two years ago while I had my first job and she was graduating college. We were both virgins and she hadn’t done more than kissing a guy before me but had been in two long relationships (four years total). Our relationship started off pretty sexual and, honestly, very spicy. Fast forward a month and we tried to have sex; however, I had performance issues. These issues continued for 6-7 months until we basically stopped trying to have sex as she started her new job and moved to another state (I also had a new job in the same state, so I went with her).
Once she started her new job, over time our sexual intimacy declined a lot. She has a stressful computer science job and works a lot, which she pointed to as the reason for her libido going down. She was also on birth control and multiple medications. Aside from the sex, all other forms of intimacy were amazing (cuddling, kissing, holding hands, etc.). We’ve had our fair share of rough patches and fights, and I personally feel like I haven’t treated her the best. A lot of it was due to her being closed off about sexual topics and trying to improve our sex lives. Basically, sex became a big pressure point, and she was the one who controlled if it happened.
About a year ago, she felt asexual and said maybe sex isn’t important to her and she could live the rest of her life without it (she also barely masturbates, like once every two weeks). I didn’t care about sex at that point since I love her for who she is and could live without it. Also, I should note I gained like 70+ pounds, and she gained weight too, but we were still sexual at points like once a month or every other month (no penetration), so my looks didn’t affect anything. I just became more insecure.
Fast forward to 2024, I get a new job and am working remotely. I fly out a few times to see her (intimacy gets worse to the point where we’re not even changing in front of each other). She said it was because of how I treated her in December (had a huge insecure moment) and we tried to move on. Anyway, she recently started a move to a bigger city for the same company, and I had booked a flight to see her. She said she was excited to see me and spend time. Last night, she calls me and brings up how she feels this is more of a platonic friendship than a romantic one. She mentions how she could never have sex again with me potentially (due to relationship baggage), wants to be in a relationship where sex is easy and not a huge thing, and also how she saw a coworker for lunch and had sexual feelings.
Ultimately, we canceled the flight, but I still talked to her and logic’d some of this out. She originally wanted to take a break to “explore her sexuality,” and then we went back and forth for a few hours to finally understand the situation better. Now we’re taking a one-month break where she just wants alone time to move and break out of this co-dependency and relying on me for everything. We are still both exclusive and not seeing anyone. She mentioned we will probably be back together and not to feel stressed or sad (but I’m so sad). I still have a flight scheduled a few months out for her birthday, and she said to keep it assuming stuff gets better. I feel pretty horrible, and I love her so much. She’s like my best friend, and you’re supposed to marry your best friend. Two-plus years and we yap to each other, hold each other, and just do everything in a relationship except sex. I imagined a full life with her and thought she was the one. Our love was so pure and deep without the need for a sexual connection. Every time we called or hung out, it was always exciting.
I hope after this break we can get back together and continue, but part of me feels like this is the end. She mentioned we should talk more, but I said no contact during this month (we might chat on the weekends). I don’t want to lose such an amazing person.
TLDR: My girlfriend and I had a great relationship without sex due to issues in the beginning. She promised sex isn’t important to her and she might be asexual. I then get blindsided a few days ago when she says she doesn’t have feelings for me anymore and has sexual feelings for her coworker. She’s confused about her sexuality and wanted to initially explore it more, but we talked. Now we’re on a break where we’re not seeing other people for a month without contact so she can do things independently (moving to a new apartment and starting at a new office location), and she said the possibility of us getting back together is 50/50 but probably will happen. I am conflicted, traumatized, and don’t know how to move forward.
submitted by SouthMaintenance3438 to relationships [link] [comments]


2024.05.22 01:09 No-Reception-4795 I'm have little time left. I need some direction.

I recently found out I'm about to "expire". I potentially have a decade left at most but realistically probably only 2y left if that. I am trying to save what I can and got life insurance for now so at least they'll be good for now. By they I mean my 3 kids and fiancé. Idk how they do though. My fiancé isn't financially stable. I'm the bread winner in our bunch. We have twins with ASD and oldest is kinda disconnected with the twins. I'm taking every precaution I can to lengthen my life but I can feel it failing as the days go by. Fiancé's family isn't the greatest but at least her mum n sister are there for her but fiance acts like the parent to the 2. I asked my family to be there however my siblings said they would be but I haven't seen them do anything with my children. I've already told my family and fiance family doesn't need to know, I'm not looking for pity from everyone. That's enough backstory for now. Is there any recommendations or something I can do to help insure my babies will be taken care of?
submitted by No-Reception-4795 to offmychest [link] [comments]


2024.05.22 01:08 Sparklybitchhh Do they send a letter saying your medication was denied?

Okay so I got a prescription of an emergency contraceptive, got it sent to the pharmacy and they tried to get it covered through my insurance which I did not want. I called and asked them to not do it through insurance and they said the would but when I called back they said my insurance denied it. When I asked the pharmacist she said that they wouldn’t send a letter or notify any one of them denying it. But when I called my insurance Blue cross blue shield community they said yes they’d send a letter. My address is my parents address and if they get that later with the emergency contraceptive on it my life will be over genuinly. Someone please tell me if they send letters or not claiming they denied a prescription?
submitted by Sparklybitchhh to HealthInsurance [link] [comments]


2024.05.22 01:08 Business_Principle29 Can anyone explain this to me?

So someone rear ended me and I filed a claim with their insurance. Their insurance said they agreed it was their fault but said they would not cover the damage and didn’t give me an exact reason why. So I had to file through my insurance and when filling out the claim with my insurance I had 2-3 people ask why they wouldn’t cover it and were surprised when I said they wouldn’t tell me. Is this normal? The following is a letter I got from them explaining the no cover.
“This letter will serve as an update pertaining to the loss that occurred on the above date of loss. After a thorough review, we are unable to afford coverage for the above captioned loss. Accordingly, we must respectfully decline this claim. Our decision is based on the information and documentation that we received in connection with our investigation of this claim. If there is any additional information or documentation that might lead us to reconsider our decision, please contact us immediately. We are relying on the portions of our policy that we have reasonably been able to conclude are applicable to the facts in this loss. We do not intend to waive, but rather expressly reserve our right to assert any other policy terms, conditions, exclusions, exceptions, or legal defenses to coverage that we might later learn may be applicable to this loss. The Statute of Limitations on your property damage claim will expire six years after the date of loss for this claim. It is your direct responsibility to either settle this claim before that date or file a lawsuit in a court of proper jurisdiction on or before the last day of this time period at which time the statute expires. We are committed to providing our customers with legendary service. Please do not hesitate to contact me with any questions or concerns pertaining to this claim.”
submitted by Business_Principle29 to Insurance [link] [comments]


http://rodzice.org/