Brad Culpepper – Insurance fraud or not?

Brad Culpepper, an Ex-NFL player has been accused of insurance fraud!

His case is really a complex one.
I HAVE to take strong pain medication for my injuries and two neurosurgeries that followed – JUST TO allow me to FUNCTION “almost normally”.

Because you can look at someone and see him or her act normally – at least in your visual perception – it does NOT me that person is without injuries or pain! If you saw his intrview he did take off his shirt and show two of the injuries.

I think most insurance companies are a total rip-off anyway. You have homeowners IN CASE something horrible happens and you need help. You have car insurance IN CASE you are in an accident. You have medical and dental insurance IN CASE you need work done on your body or teeth. You have life insurance for years, JUST IN CASE you die unexpectedly. It’s all pretty morbid.

Something many people don’t know is that most term life insurance policies (ones you think will leave your loved ones monetarily set) raise their premiums after ten years of you paying premiums. Most people don’t pay too much attention to paperwork, and my friend didn’t either. After ten years of paying a policy on her husband they upped the payments so high she could not afford to pay premiums, so she cancelled. Her husband died from a heart attack shortly thereafter.

There is a way to keep that from happening. IF YOUR COMPANY WILL DO IT, change that term life policy / or whole life, to “universal life policy” and you may pay a bit more each premium, but the payments will NEVER go up, and the payout is guaranteed the same!

Back to the subject matter! If I had published this yesterday I would have said the insurance company is full of garbage. Now I am sitting on the fence.

I do know when severely injured, pain and even some disabilites can be OVERWHELMNG. I am a Christian so suicide is out of the question – but there were more times than a “few” I really thought I wished I could kill myself. I am over that now with lots of prayers, ( a wonderful God), TIME (an inordinant amount of time), AND pain meds to get managing my pain so I can function and have a little life.

Even with pain meds I still deal with severe nerve pain and “other invisible problems.” I taught fitness for years, but I never thought of the nerves in the body until mine were damaged and some even killed!

As I wrote, some of my disabilities are visible. I have to use a cane. MANY more are invisible to the naked eye. I understand people looking at someone with those invisible disabilities and on pain meds, and think “they aren’t disabled at all!” BS.

DO NOT JUDGE SOMEONE because they are strong enough mentally and physically to “look” like they are fully functional and capable. Would you rather have them whine and cry and be intrusive to YOUR feeling good. You have a right to feel good. I am not going to wear a sign with specifics about my disability and pain.

Good for Brad in continuing his life. That being said, I read that he began mixed martial arts before receiving a settlement of $175,000.00. That is a difficult sport, unless perhaps, he was participating in a very modified program. That is possible. Perhaps in being active and accepting “limits” he helped his body to heal even more in time. That is possible too.

Here is where I stand on this particular subject. I am no one’s judge. No one can jump in my body and feel my pain, nor my motivation to work through constant pain.

Although a part of me says, I am glad he got a settlement. I saw his visible injuries, and he was obviously disabled in some ways, maybe many. I personally know MENTAL injury can take a constant toll on one’s life!

Insurance companies get their money regardless – unless the horrific happens. If he were taking a monthly disability year after year after year, like SO MANY FLAKES and FAKERS do, it would be different. He took a settlement. Perhaps then his tenacious spirit healed him further mentally and physically. I like to think in positive terms. Good for him! At least someone with a history of working and real injuries got something!!!

I find it disgusting that a man with REAL and PERMANENT injuries takes a settlement, agreed upon by the insurance company and himself. and then in their eyes- he should not get better. If he heals any more he is a faker. The healing must stop. Certainly if he is able to participate, working through the incredible pain, and taking heavy duty pain pills, it means he wasn’t really hurt. Come on.

I hope I am right, but again, I am no one’s judge on this planet earth. It is up to each individual how he or she lives life! If you are truthful then you cannot be caught in a lie. If you are honorable your character will excel and the person you are will blossom into something wonderful! If you LOVE, you cannot go wrong!

Have a stellar day. We all have the power to choose how our day unwinds. We have, at least, the power to respond to each thing that happens to us, and that is 100% all the time. I choose onward and upward!

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