American Newspapers: Protecting You From Information
In a blog item, We Should Have Registered Partner Agreements, I posted the letter to the editor published in The New York Times. An excerpt:
In my years of work as a psychologist in nursing homes, I learned there are many other types of enduring relationships that embody commitment without a hint of romance. There are brothers and sisters, parents and children, and platonic roommates who have lived together for decades, not once thinking marriage. Yet when the time comes to make a crucial medical decision for a patient in a coma or with severe dementia, nonfamily household members may never be consulted.A blood relative fares only marginally better. A sister who has lived with her brother for decades -- a very common household -- will likely be called upon to make medical decisions if her sibling becomes incompetent. But if he had worked and she had managed the home, she's out of luck for Social Security survivor benefits.
There is precedent for Social Security survivor benefits to unmarried members of the same household. Both children and dependent parents have been eligible for survivor benefits since 1939. Why not extend these and the other benefits of marriage to any household with committed relationships?
Ira Rosofsky
New Haven, Feb. 23, 2009
Ira Rosofsky, who, apparently, Googles himself, wrote to thank me for publishing it:
Dear Amy,
Thanks for publishing my letter to the Times, In addition to being a psychologist in nursing homes, I am the author of the forthcoming, Nasty, Brutish, and Long: Adventures in Old Age and the World of Eldercare(Avery/Penguin, March 19, 2009). The Times said it was against their policy to mention my book in a letter, but my webpage (www.rosofsky.com) will tell you more about me and my book.
It is an account of my work and my caregiving to my own frail, elderly parents.
Ira
Blog at Psychology Today: Adventures in Old Age
I wrote to Ira:
I'll link to your book below the piece. Newspapers are so stupid these days. The fact that you authored this tells me something about you, and information is always good. If your letter is good enough to publish, why can't we have information about you?







I don't know. I think the paper's policy makes sense. The letters to the editor pages (one of the few things that still makes a paper worth reading) is a public forum to comment on the news. I think it's a good policy to keep it from deterioating into a venue for free advertising.
Not only would it spoil the contents and purpose of letters to the editor, it would certainly go against their own self-interest (since if I'm understanding it right) they survive more on advertising dollars than they do from subscriptions or cover cost.
I don't have a problem with that. The place to mention his book, if they're interested, is in their book review section.
T's Grammy at March 6, 2009 5:02 AM
The guy's book pertains to what he wrote here, so I disagree.
Amy Alkon at March 6, 2009 6:58 AM
Social security survivor benefits were started to keep widows who had stayed home their whole life-like most women did then-from starving upon her husband's death. Not to make life easier on whoever knew him and could claim it after he died. People who wish to care for others important to them at their death can buy life insurance. I think SS is on the way out anyway, we sure don't need to be enlarging it.
momof3 at March 6, 2009 9:23 AM
In fact, anyone can buy life insurance on anyone else, you don't even need their permission.
momof3 at March 6, 2009 9:24 AM
Doesn't matter, Amy. If they let him put it in the letter, it would still become an ad. And the letter stands on its own without the plug. Has he thought about inviting them to review it?
I read both the letters to the editor and the book reviews but I'd soon quit with the editorial page if it devolved to people who wanted to put plugs for their product in it. Our local does let them sign with a name of a local organization if they're writing representing said organization but that's about it and I'm glad.
T's Grammy at March 6, 2009 9:36 AM
momof3,
No, you can't. You must have a recognizable insurable interest in the person. The process, when an Agent is involved, requires viewing the person to be insured, medical questions, possibly medical testing depending on the size of the policy, and a signature. All of this to avoid fraud, among other things.
Ariel at March 6, 2009 11:36 AM
Funny. I was told different by my insurance salesman. It costs a bit more than one with a health check etc, but is doable.
momof3 at March 6, 2009 12:14 PM
Momof3,
Your insurance agent lied to you. You have to have all the things mentioned by Ariel. You also cannot insure children unless you are a parent or grandparent.
Of course, rules may differ by insurance company, but it usually is pretty standard across the board.
I would be extremely cautious of any insurance company that sells policies w/o those criteria. They are probably fly by night and you would never see a payout.
Truth at March 6, 2009 12:45 PM
Never see a payout with state farm? Possible I guess. I suppose I could have misunderstood, it's not like I asked if I could take one out on Angelina Jolie. But I do know that there were 2 levels-with proof of health and without. And I didn't have to have my DH talk to them to get one.
momof3 at March 6, 2009 7:10 PM
Um, momof is right. Maybe it depends on the state or something. But Walmart takes out insurance on their employees. Just another reason not to work for them.
T's Grammy at March 7, 2009 12:04 PM
"Insurable interest" is a key definition in insurance law. A company has an insurable interest in its employees, just as you would in a spouse, child, or business partner. You have to be able to suffer a financial loss in order to insure the life of someone, otherwise it's just gambling. You can google this easily. I am not wrong on this.
Of course policies can be written with little information, and you get a policy that is limited by that lack of information in both size and features. Life insurance is based on complicated actuarial tables that calculate your expected longevity. An insurance company that ignores longevity will not remain solvent. Do you really think a company would price and/or underwrite a policy of any decent size without knowing whether you have Type 1 diabetes, apnea, MS, HIV, cancer, etc.? Really?
Now Term insurance may be easier with some companies, because they know that Term is so very seldom paid out versus Whole and its derivatives, which is one reason why it is so cheap. All of this info is available on the web.
And, quite frankly, I would never buy Life insurance from a company known for Property & Casualty. Or vice versa. Both are specialized, as are their Agents. You of course may do differently, as is your right.
Thank you, Amy, for your indulgence.
Ariel at March 8, 2009 1:23 PM
Amy Alkon
https://www.advicegoddess.com/archives/2009/03/american-newspa.html#comment-1637621">comment from Ariel"Insurable interest" is a key definition in insurance law..."
Thanks, Ariel, for posting that -- no indulgence necessary!
Amy Alkon
at March 8, 2009 1:51 PM
Thanks, Amy, for your mention of my book.
It's true--partly in regard to the Times not mentioning my book in the letter--authors are understandably a bit preoccupied about promotion about the time our books are coming out. Having them publish the letter without mention of the book is like kissing your sister. Your readers might notice that almost all the op-eds have book mentions--as did mine when I had one published with them. Without authors pumping their books op-ed submissions would dry up.
That said, I'd rather just be writing my next book and emulating the life of Thomas Pynchon or J.D. Salinger, but I'm not noteworthy enough to either be a recluse or make unreasonable demands. Of course, I'd like to become successful enough to complain that the champagne at my launch party is not only warm but the wrong brand.
For now, I'll just have to scrape along and hope for the best as would any relatively unknown debut age-62 debut author.
Ira Rosofsky at March 9, 2009 12:52 PM
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