SanDiegoNice
New member
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Hello,</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com<img src="i/expressions/face-icon-small-blush.gif" border="0">ffice<img src="i/expressions/face-icon-small-blush.gif" border="0">ffice" /><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>I am a newbie and I need some solid financial & marriage advice for a friend. Any and all tips are so very appreciated!<SPAN style="mso-spacerun: yes"> </SPAN>Thank you so much in advance! I am so grateful! My best male friend (for the past 19 years) is deeply in love with a woman with C.F. </FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>The Guy (Non C-F)</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>He is 40, never been married, no kids, would like to have kids, employed through a small company, his parents are exceptionally wealthy, rents a home in San Diego, California. He makes about $75K a year.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>The Girl (C-F)</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>She is 27 y.o., never really had any serious romantic relationships, would like to get married, would like to have kids, lives with her parents, her parents are poor and hard workers. </FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Current C-F Medical State</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>She was diagnosed with C-F at birth. She is at the point in her C-F therapy that she is hospitalized for 3 weeks continuously approximately every 3 months. Because of this significant time delay, she is not able to seek full time or part time employment. She wears a vibrating vest for treatment every night / several nights per week for a few hours. (I am not really sure where her condition would rank as far as the progression of C-F goes on the bell curve - any help would be great.)</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Co Habitating</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>She stated that she would never live with a man unless she was engaged, so he proposed with a beautiful diamond ring. They slept in different bedrooms because of the coughing, etc, so that everyone could get a good night rest. (That is how it was explained to me.) Ideally, she would like for both of them to move and rent a house near the beach in San Diego, since he lives nowhere near a beach currently. They did live together for almost 5 months this year before she moved back home with her parents.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Option of Having Biological Children</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>The doctor at one point sat both of them down and stated that conceiving children would be very unlikely or unwise, etc, with her current health status. Currently, they do not practice safe sex. Both of them feel that having a child or children will be no problem in a few years when they are ready to start a family. I mentioned that adoption would most likely be out for them but they could consider a surrogate option ($25,000 or so) if she was unable to physically carry to term. A surrogate would also require IVF fees, which are high ($10,000 or so) for each cycle. He does not have any of that type of money for surrogacy. He will still be with her, regardless of whether they have children or not. Children is not a deal breaker for him.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Current C-F Health Related Cost Responsibility</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000><FONT size=2><FONT face=arial>She is a college graduate, has never worked legally, is covered under California Medi-Caid/ Medi-Cal, I believe, because her income is considered zero. </FONT></FONT></FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Non Legal Wedding Celebration</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>They decided, with the love and support of family and friends like me, to have a big celebration and wedding ceremony without the legal formality. 30 days before the celebration, she stated that she would only go through with the celebration if they were legally married to show that he has "committed to her" (I have heard that exact phrase over and over). The wedding was postponed and the groom's family lost the $10,000 deposit for the wedding celebration.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Couples Counseling</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>They have both decided to try to get back together again and pursue a healthy and happy relationship. She has the same condition of having a legal marriage ceremony in order to proceed. They had attended couples therapy with a psychologist before the wedding was called off. He is still going to therapy to give the therapist updates on their relationship.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Locating Legal Advice</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>She has stated that she knows many happily married C-F couples who make it work financially where the non-CF spouse is not legally or financially responsible for the C-F's medical bills. She has asked that he contact a C-F lawyer in order to find out what his financial obligations would be if they were legally married. He has scheduled one appointment in San Diego. He has contacted his health insurance company through his employer and they gave him the general caps on his plans per year. So far, this is the only information that he is working with to estimate future financial requirements. He has promised her that he will research all the aspects of being married legally in order to find some way to proceed with the relationship.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>My Two Cents</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>I have suggested that they have a celebration without a legal marriage. If he ever loses his job (quite possible in this economy), then her health care and quality of care would be compromised. I think poor health care or health care with less benefits is unacceptable when a person is terminal. I have mentioned that he can still be a legal power of attorney if she wishes that to be someone besides her parents. I also gave him the contact info for a life insurance plan for $275K without a medical exam and without CF exclusions that they could both have a policy out on each other after they were engaged. He said the thought of a life insurance plan was morbid.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>I have mentioned that once they are legally married, regardless of whether they live together or have children, that their two social security numbers become linked and he will, indeed, be financially responsible for her. Because of his income, I believe that she will lose her Medi-Caid / Medi-Cal. Even after she passes away (in a very long time, hopefully), I have told him that he will still be financially responsible for her debts that were accrued while living.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>I don't have any other facts to give him for a non C-F spouse not to be financially devastated mid life as he approaches 50. I have directed him to various websites for disability, social security, C-F, etc. However, I think now that real life accounts of what it is really like from the people with C-F who have already gone through it is much more specific. Maybe these suggestions will have more of an impact on him? Or seem more real because they came from real people? I am unable to give him any more advice on something that I know zero about.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Can anyone out there (especially in California) help me with how they were successful? Or if you had complications, how can he avoid them and be pro-active with insurance, etc? Hindsight is always better but only if you get this advice from others ahead of time.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=3 face=Calibri><FONT size=2 face=arial>Thank you so much! Please</FONT> help to save a happy couple!</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com<img src="i/expressions/face-icon-small-blush.gif" border="0">ffice<img src="i/expressions/face-icon-small-blush.gif" border="0">ffice" /><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>I am a newbie and I need some solid financial & marriage advice for a friend. Any and all tips are so very appreciated!<SPAN style="mso-spacerun: yes"> </SPAN>Thank you so much in advance! I am so grateful! My best male friend (for the past 19 years) is deeply in love with a woman with C.F. </FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>The Guy (Non C-F)</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>He is 40, never been married, no kids, would like to have kids, employed through a small company, his parents are exceptionally wealthy, rents a home in San Diego, California. He makes about $75K a year.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>The Girl (C-F)</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>She is 27 y.o., never really had any serious romantic relationships, would like to get married, would like to have kids, lives with her parents, her parents are poor and hard workers. </FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Current C-F Medical State</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>She was diagnosed with C-F at birth. She is at the point in her C-F therapy that she is hospitalized for 3 weeks continuously approximately every 3 months. Because of this significant time delay, she is not able to seek full time or part time employment. She wears a vibrating vest for treatment every night / several nights per week for a few hours. (I am not really sure where her condition would rank as far as the progression of C-F goes on the bell curve - any help would be great.)</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Co Habitating</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>She stated that she would never live with a man unless she was engaged, so he proposed with a beautiful diamond ring. They slept in different bedrooms because of the coughing, etc, so that everyone could get a good night rest. (That is how it was explained to me.) Ideally, she would like for both of them to move and rent a house near the beach in San Diego, since he lives nowhere near a beach currently. They did live together for almost 5 months this year before she moved back home with her parents.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Option of Having Biological Children</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>The doctor at one point sat both of them down and stated that conceiving children would be very unlikely or unwise, etc, with her current health status. Currently, they do not practice safe sex. Both of them feel that having a child or children will be no problem in a few years when they are ready to start a family. I mentioned that adoption would most likely be out for them but they could consider a surrogate option ($25,000 or so) if she was unable to physically carry to term. A surrogate would also require IVF fees, which are high ($10,000 or so) for each cycle. He does not have any of that type of money for surrogacy. He will still be with her, regardless of whether they have children or not. Children is not a deal breaker for him.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Current C-F Health Related Cost Responsibility</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000><FONT size=2><FONT face=arial>She is a college graduate, has never worked legally, is covered under California Medi-Caid/ Medi-Cal, I believe, because her income is considered zero. </FONT></FONT></FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Non Legal Wedding Celebration</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>They decided, with the love and support of family and friends like me, to have a big celebration and wedding ceremony without the legal formality. 30 days before the celebration, she stated that she would only go through with the celebration if they were legally married to show that he has "committed to her" (I have heard that exact phrase over and over). The wedding was postponed and the groom's family lost the $10,000 deposit for the wedding celebration.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Couples Counseling</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>They have both decided to try to get back together again and pursue a healthy and happy relationship. She has the same condition of having a legal marriage ceremony in order to proceed. They had attended couples therapy with a psychologist before the wedding was called off. He is still going to therapy to give the therapist updates on their relationship.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Locating Legal Advice</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>She has stated that she knows many happily married C-F couples who make it work financially where the non-CF spouse is not legally or financially responsible for the C-F's medical bills. She has asked that he contact a C-F lawyer in order to find out what his financial obligations would be if they were legally married. He has scheduled one appointment in San Diego. He has contacted his health insurance company through his employer and they gave him the general caps on his plans per year. So far, this is the only information that he is working with to estimate future financial requirements. He has promised her that he will research all the aspects of being married legally in order to find some way to proceed with the relationship.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>My Two Cents</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>I have suggested that they have a celebration without a legal marriage. If he ever loses his job (quite possible in this economy), then her health care and quality of care would be compromised. I think poor health care or health care with less benefits is unacceptable when a person is terminal. I have mentioned that he can still be a legal power of attorney if she wishes that to be someone besides her parents. I also gave him the contact info for a life insurance plan for $275K without a medical exam and without CF exclusions that they could both have a policy out on each other after they were engaged. He said the thought of a life insurance plan was morbid.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>I have mentioned that once they are legally married, regardless of whether they live together or have children, that their two social security numbers become linked and he will, indeed, be financially responsible for her. Because of his income, I believe that she will lose her Medi-Caid / Medi-Cal. Even after she passes away (in a very long time, hopefully), I have told him that he will still be financially responsible for her debts that were accrued while living.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>I don't have any other facts to give him for a non C-F spouse not to be financially devastated mid life as he approaches 50. I have directed him to various websites for disability, social security, C-F, etc. However, I think now that real life accounts of what it is really like from the people with C-F who have already gone through it is much more specific. Maybe these suggestions will have more of an impact on him? Or seem more real because they came from real people? I am unable to give him any more advice on something that I know zero about.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=2 face=arial>Can anyone out there (especially in California) help me with how they were successful? Or if you had complications, how can he avoid them and be pro-active with insurance, etc? Hindsight is always better but only if you get this advice from others ahead of time.</FONT></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><o<img src="i/expressions/face-icon-small-tongue.gif" border="0">><FONT color=#000000 size=2 face=arial> </FONT></o<img src="i/expressions/face-icon-small-tongue.gif" border="0">></P>
<P style="LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT color=#000000 size=3 face=Calibri><FONT size=2 face=arial>Thank you so much! Please</FONT> help to save a happy couple!</FONT></P>