In 1985 my son was a near drowning at my ex father-in-laws ranch. Two and half days later he died. His insurance, Farmers Ins. Group, came to me and told me they would cover all my expenses and that there would be enough money left over to make it worth my while. I told the adjuster he nor anyone else had enough money to make it worth my while. A few weeks later Farmers found out that the boy who had died was related to my father-in-law (they did not know this up to this point due to the two last names not being the same). After they found out, they dropped my father-in-law, after he had paid his premiums for 18 years and then contacted me and said they were not going to pay for anything. Know why? cause we have a law here that in order for me to get them to pay I would have to sue my mother and father in law and it would be a jury trial. In this this trial, by law, the insurance could not be mentioned, so the jurors would be lead to believe that the kids are suing the grandparents for their child drowning on their land and they would have never known the real story that we were suing cause the insurance would not do what they said they would do for a person who paid them premiums for over 18 years. We ended up settling out of court for $12,000.00. It didn't even cover the hospital stay much less anything else like air vac'ing, ambulance, doctors, test, and the list goes on and on.
, try to hang around long enough to get your monies worth from your pension. 
