Saskia, so sorry to hear of the travails of you and hubby. My prayers are with both of you. I have had more than my fair share of challenges the last couple of years but nothing compared to you both.
Here is a Covid PSA for US members. If you are considering getting the shot and are married with appropriate life insurance policies, please don't get the shot until you talk to said insurance agencies. At the private practice that Mrs. GreyWoolfe works, they have had 2 patients that have died of Covid after getting the Covid shot and the insurance companies in both cases refuse to pay out as it is not FDA approved and is listed as experimental. That is one of the major reasons we both refuse to get the shot. If Covid claims either one of us, we know the insurance company will pay out.
Please keep the anti vaccine 
off here at least.
1/ If they had the vaccine it's highly unlikely they would die. Two in one practice highly unlikely unless it is a very big private practice.
2/ lots of reptutable sources say it's not true. e.g. https://www.reuters.com/article/factcheck-life-insurance-vaccine-idUSL2N2NJ2FP
3/ Checked my insurance Co and they say not affected even if you took part in a pre-approval trial.
4/ Insurance companies have been saved millions by the vaccine. In future not having the vaccine may increase premiums. One company in SA is doing this already https://www.wsj.com/articles/covid-19-vaccine-refusal-could-drive-up-your-life-insurance-premium-in-south-africa-11627658482
5/ How do you know insurance was not paid? In UK/EU that would be personal information and it would be illegal to reveal to others.
6/ last and not least IF YOU HAVE THE VACCINE YOU ARE HIGHLY UNLIKELY TO NEED TO CLAIM because of a covid death. Even if you did get Covid 19 the effects are likely to be much less and your medical bills co-pay etc much lower as a result. Would Mrs Greywollf really say " I'm so glad he didn't get the shot so there was no risk of life insurance not paying out. Shame he died and the medical bills were so high though" 
I know you said to check, but people don't read that detail.
1-Cause of death in both cases was covid. Yes it is a very large practice-4 doctors and including the snowbirds that come down for the winter from the GWN, approx 5000 patients
2-Explain to the spouses that it isn't true, I'm sure you can make a case during their time of grieving.
3-It matters little what insurance companies across the pond are like. Here they are far more interested in getting your monthly premiums and fighting to not pay claims. Been down that road myself.
4-Can't compare SA with US
5-The patients that Mrs. GreyWoolfe's doctor takes care of all love my wife. She is the initial POC on the phone, been there 19 years, knows most of the patients and their spouses on a first name basis and both told her. Both her and I work under HIPAA oversight and she did not mention names. She know far better than to do that. No PII or PHI was spoken of.
6-Wouldn't be so sure of that. All 4 doctors got the shot, her boss under pressure from the others and she and another have come down with covid, far more common than you think. I don't really trust anything that the news services have to say here. They have shown themselves to be bought and paid for. There is no longer anything like accurate and truthful reporting and even when they are proven wrong, there is nothing more than a my bad and a mumbled apology buried on page 15.
I am not an anti-vaxer, far from it. I was unable to get a pneumonia vaccine that my Dr, who by the way, is my wife's boss, wanted me to get as MY insurance wouldn't cover it and I couldn't pay the cost at the time. I will be on Medicare in January so maybe I can get it then. I could care less if you get the vaccine or not. I didn't think I sounded like I was pushing the anti vax
. I am pro vaccine, just not this one. I could care less what Reuters, et al are saying. These 2 are real people that are having real battles with their insurance companies to pay the death benefits that are sorely needed. I really doubt that this is the only practice it is happening in across the country. Do I worry about dying from covid? Not even. I have had enough health issue the past few years, including just finishing up radiation treatment for an aggressive prostate cancer that I am still feeling the side effects 3 weeks later, not to mention the other nonsense I have to keep going through for the next 14-20 months. When it's my time to go, it's my time. I could just as easily die from being run over when I walk out to my mailbox across the street. We have chosen not to get the vaccine as there are too many patients in the practice that have come down with covid that have had the shots for our comfort level. From my real but very small view of things, there is a strong possibility of getting covid even with the shot as that seems to be where a real number of new cases are coming from.
---I know you said to check, but people don't read that detail.----Not read that detail? In this crowd? Where paying attention to the minutia is part and parcel to a successful or failed project? Now, that's
All I was trying to do is to pass on some real world information and that a short phone call will allow someone to get facts that can possibility influence choice.
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