One of the things Mr. Modern Tightwad and I were the most excited about with his new job, is the prospect of benefits. Mr. MT likes outdoor activities like snowboarding, skateboarding, and “freestyle walking.” (Check out this video from BBC’s “Top Gear” for one of the coolest examples…ever.) Our rule had been,”No extreme activities without health insurance and life insurance.”

Granted, either of us could get taken out by a cross-town bus, but we try to make sure we don’t engage in high-risk activities. Frankly, the only reason skateboarding is on the list is Mr. MT’s near broken ankle the last time he tried it. We call this “counting the injury cost.” If it’s a greater likelihood that we will hobble out of it, we walk the other way. For instance, when I attempted snowboarding and broke my tailbone, I literally hobbled off of the mountain, and around work for nearly two weeks. (Even though I did have health insurance, my doctor said there wasn’t anything they could do for that particular location anyways.)

Why? Medical debt scares us to death. I know a woman who is still paying off the bills from her 15-year-old twins’ birth. And we both want to make sure that our pursuit of happiness doesn’t leave the other alone and destitute.

So while the “injury cost” has been way too high, some much needed work benefits will provide us with freedom to enjoy our favorite activities, knowing we’re both taken care of.

What are you unwilling to risk without insurance?

Photo Courtesy of e-buzin

Andi B.

Andi B.