Near Death Experience

Just when I think I have all the possible wrinkles ironed out in my transgender experience, another possibility comes along to worry about.

Last week I had an opportunity to communicate with a woman who deals in insurance and other retirement planning.  She wanted to know more about issues dealing with transgender elderly as they face long term health care. 

As is the case with many transgender people I know in my age group 70+, I am on a fixed income life with very little extra cash to play with. Years ago I lost quite a bit of money when I had to close my restaurant down. It was an especially dark period in my life when I lost my wife and close friends to death and my 401K's plus a sizable inheritance to a failed business.

These days, all I have to cover my infamous "final expenses" is a couple small life insurance policies which are good for life if I keep paying on them. My new paranoia comes from how my transgender status will effect the policies. For example. I took out the oldest policy when I was living a male life and now I have to send in all the paperwork for a name change.

Plus, most importantly of all, my basic gender is an issue... again. I am legally a female but biologically a male because I don't plan on ever under going gender realignment surgery. 

I may be making too much of an issue with this but once again I am faced with a transgender issue when I die. On the positive side, I have been researching information on the insurance front and the news was the companies are learning and adjusting to the needs of transgender individuals. So the future could be brighter.

Finally, if any of you have any relevant info, please let me know!