What people don't seem to understand about insurance is that they are entirely motivated by profit. They're not your mom and dad. They're not going to feel obli

What people don't seem to understand about insurance is that they are entirely motivated by profit. They're not your mom and dad. They're not going to feel obligated just because you've been contributing to their plan for twenty years. If you have car accident, for example, they're ok with you being laid up for a few weeks but after a certain point you become a problem, a very serious problem and they'll do whatever it takes to get you back to work. Or off their books. Either way it doesn't matter. The longer you drain their funds, the more intensely they'll scrutinize your life, looking for some justification to ditch you. If you're on sick leave due to depression it's just dumb to post party pictures on the Internet.