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There is one other category that I don't see mentioned often but affects a very large number of early retirees:

g)Retiree(s) are denied and unable to get insurance at any cost, due to minor existing medical conditions!

I know of several people in the 55 -65 range, good overall health, who are unable to get individual insurance from companies like Blue Cross because of rather benign conditions such as occasional heartburn! Insurance companies are looking for any reason to deny applicants who are not 25-35 with no history of medical claims.

Insurance offered by AARP for example doesn't seem to qualify as real insurance to me, as its limits are very low. What retired people need is the ability to buy insurance (even if very high cost) to cover against the catastrophic events that can wipe out everything they have worked for 35 - 45 years!

Anyone have any ideas? How about professional groups that might offer guaranteed issue group coverage (like an employers policy)? How do they work?
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