The agent who sold her the indemnity and top up for medical tests told her there should be no problem with the pre-existing conditions. The company has been taking money out of her pay check every 2 weeks for these extra policies.

I have been reading nightmare stories of people who cannot cancel their policies. Several who after cancelling found a year later money was being deducted from their paychecks and when AFLAC was contacted they received a letter that it was deemed a risk to cancel the policy so it was reinstated without the policy holder's knowledge. But then there are just as many positive stories of how much AFLAC helped.

Had a stupid tearful breakdown this morning. Quite proud of myself though because it only lasted about 10 minutes. Frustration of not being able to do simple tasks like put on bra, blouse, shoes and socks without pain and often help from TSO. I fell apart, sobbing about how can I help her if I can't take care of myself.

ah well... must go to work now and be overwhelmed by the work. At least it will take my mind of home and Hilary for a bit.