Open Enrollment, Life Insurance and My Will

11.16.11

It’s time for open enrollment at Mr. G’s workplace. I spent an hour trying to figure out how much we might spend on healthcare and childcare next year so that we could contribute the appropriate amount to the Flexible Spending Accounts (FSA’s). Life insurance is a no brainer, we get the maximum for him and the maximum for me. It’s less than $10 a month and it’s not a whole lot of insurance, but it’s something.

This year I noticed something different on the life insurance options. Take a look for yourself.

life_and_accident_insurance

The options are as follows:

  • Employee only
  • Employee + Spouse with the spouse at 50% coverage
  • Employee + Spouse with the spouse at 100% coverage
  • Employee + Children
  • Employee + Family with the spouse at 50% coverage
  • Employee + Family with the spouse at 100% coverage

So I had a little freak out. Because who buys life insurance for children? How would $25,000 help me if something happened to one of my kids? I’d be too busy launching myself off a cliff. I know there are those whole life policies that provide a little savings account… but the thought of it was gruesome. If something happens to Mr. G the kids and will need a shit ton of cash because he does everything here. Everything. If something happened to me Mr. G would have to work very differently and hire someone to replace me. That all makes sense and for a few dollars a month I’ll buy some insurance.

When I thought about possibly clicking the column that would insure the kids I became physically ill. It’s just not something I could insure. Crazy?

Also, I’m off to Mexico tomorrow, specifically Puerto Vallarta. I wasn’t able to get K&R insurance, but I’ve promised my mother I won’t die. I also didn’t update my will. But Mom I’m pretty sure blogs are legal documents so if the plane drops out of the sky please make sure everyone knows that we want my brother to raise the kids. There’s plenty of life insurance and he can have my house. Just make sure no one wears their shoes upstairs, because I’d spin like a rotisserie chicken if my kids were being raised like that.

Digital Native

10.17.11

Sometimes people ask me when I learned to use computers. I sort of shrug, because I consider myself to be a digital native.

In the mid 80’s my brother was doing things with computers and telephones. I didn’t quite understand at the time, and right now I still don’t quite understand the advanced networking that he does, but I am comfortable and competent in my own way. 

I can’t really remember a lifetime before computers. I remember typewriters but I hardly used one after I was 10. I remember my brother’s middle school English teacher freaking out that he used a word processor to write an essay, she thought the word processor wrote the essay for him.

Apple 2 with two floppy disc drives

This machine did not write essays but it did launch careers.

I love that October 16th is Steve Jobs day because October 16th is also my brother’s birthday. Both are kind men who look amazing in black, both are brilliant but my brother… well, everything about him makes me smile.