This coming from someone who argues against welfare, but supports his family getting lots of expensive medical care and then skipping out on paying any of the bills by declaring bankruptcy...

But I have to say that David makes a very good point about govt intervention; it never works any way.

Jobs loss, medical issues, divorce, or forced relocation are typically the source of the hardship.

The slope of socialism narrows and turns very slippery once government intervention and ownership of certain industries occurs.

True Conservatives want less government intervention in our lives.

Other than that, usually insurance checks are used for asset replacement, medical expenses, "pain and suffering", etc.I'll also add that, if the proceeds are not reinvested quick enough, then the insurance payout may be viewed as capital gains, in which case you would need to pay taxes.Hope this helps!

In fact, why am I paying $50,000 plus medical and retirement benefits for Joe when I can hire a virtual assistant from Mexico or the Philippines for 1/3 the cost that is just as qualified and speaks excellent English? 

I work at a medical device company in the area.

This process has really re-ignited my passion for reading for pleasure, not just medical texts or research journal articles.I do want to take just a moment to say thanks to all of the contributors to this website.

I am a Public Educator and I own a Medical Management business on the side with degrees in both.