Wednesday, January 27, 2021

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! 


  1. Have you looked into VGLI (Veterans Group Life Insurance) offered by the VA?

    1. Yes, it is on my list to look into. Thanks for reminding me :)

  2. I would think that the life insurance companies would set premium payments at the rate according to biological sex, even if all gender markers had been legally changed. Males are always charged more, as the actuaries have crunched the numbers, showing males die earlier. It probably would not be a good idea to "pass" when taking out a policy, then. Should a transgender woman die of prostate cancer, that would definitely raise a red flag, and insurance companies do their due diligence in fraud prevention. While a transgender woman may not feel she is committing fraud by checking the female box on the application, the insurance company may fight like hell to keep from paying out on the policy. I've been putting off getting one of those "burial" policies that are advertised on TV, just because I don't want to deal with outing myself in the process.

  3. I agree and might look into a VA policy instead of the one I have which is listing me as a female. Thanks

  4. When I applied for Social Security and Medicare, I did so in person with the proper documentation with my legal name change. I did not, however, change my gender marker, as I felt it wasn't worth opening that can of worms. I guess I should have been more aware, though, because the person on the other side of the glass partition checked off the Female box for me. It ended up being a pain in the ass to get it changed back when I later had trouble getting Medicare to pay on a doctor bill. Health insurance considers the differences in male and female rates, as well as does life insurance (or did, then). Social Security tried to blame me for the "mistake," even though it would have required a specific application and documentation from me to make that change - which, of course, I did not provide, and they could not have had on file). Maybe I was just passing so well to the woman that day, I don't know. Sometimes, though, there are more important things than passing.

    It behooves us to be diligent as we make changes throughout transitioning. In the case of life insurance, we won't be around to clean up any messes that our beneficiaries may be left to endure.