I have a question, however. Why couldn’t I get these kinds of benefit with any US company I’ve ever worked for, or why couldn’t I even GET coverage of any kind for my son? I tried the private insurance route and he was denied coverage for a pre-existing condition. Though I’m by no means “rich” there is no way we would have qualified for any public program (yes, I checked) unless I was willing to give up everything I own and move us under the nearest bridge.
Over the years, I’ve experienced increasing out-of-pocket premiums and deductibles and decreasing coverage, one of the reasons I decided I could do as well on my own as a consultant–you know, charge what you’re actually worth and have someone pay the rate, and work about half as much.