Jacob and Elijah Shaddox are brothers. They live with their mom, Mary, who is the writer of this blog. Jacob is 19 and is now four inches taller than his mom! He also has ADHD and gorgeous red hair. He is a freshman at a technical college studying computer maintenance. Elijah is 15! He is in 9th grade and he is not in ROTC at his high school. He also had red hair, but it is lighter and not as thick as his brother's hair. He is hearing impaired(auditory neuropathy) and wears two cochlear implants. He also has tourette syndrome, ADHD, OCD and anxiety! Mary just started her 25th year as a teacher of the deaf. She is also in her last semester of graduate school to be a diagnostician! She will graduate in December of 2015!

Thursday, June 13, 2013

Accident Insurance

While we were sitting at the ER with Jacob's broken finger, I remember that I had accident insurance on me and the boys. I called them the Monday morning after he broke it and got them to send me the claim forms I needed. I faxed it to them on that Monday and then faxed them the bill from the orthopedic visit after that visit. Quick update on that...the doctor said he could remove the splint after a week and he didn't need a follow up visit. There was no joint or tendon involvement.

I called the accident insurance company yesterday and they said they had just sent me a check for $250. This will cover the $150 copay for the ER visit and the $30 copay for the orthopedic doctor. The extra amount is because he broke a bone. I will take it and probably put it towards his car insurance.

I am very glad to have this insurance. The only other time we have used it was when my then husband was in a car wreck several years ago. Accidents are unplanned and usually expensive. I am glad that this money will cover his co-pays. I hope we don't need to use it again for any of us!


  1. Accidents really do happen unexpectedly. It’s a good thing nothing serious happened to him, aside from a broken finger. And you have insurance to cover all the expenses. It’s a huge relief for everyone, especially for you. How’s Jacob, by the way?

    Allan @

  2. yes, they do happen unexpectedly. In fact, 2 weeks later my youngest son, Elijah, fell and needed stitches on his nose and he broke his nose. Accident insurance sent me $500 for his accident. My health insurance and accident insurance paid for a lot, but I am paying $55 a month for Jacob's finger until May 2014. Elijah's accident insurance pretty much covered all expenses. Not sure why I got more for him but I think it was because of the stitches and the break. Accident insurance won't cover it all usually, but it does help.