u/Snowy_Garden_Gnome

We have a dog, Pete, that was abandoned on our road late last year and we adopted. Pete is an 84lb Pitbull, Anatolian Shepherd, Cane Corso, Black Lab mix. Pete has come a very long way with body handling and likes being pet and loved on. He get along well with people, other dogs, cats and all creatures. He's about 18 months old.

Unfortunately, Pete reacts strongly to any intentional care, especially if it causes pain such as we had finally gotten to where I could clean his ears, then get got an ear infection and it hurt when I hit a sore in his ear. Now I cannot approach his ear without lip curling and growling.

Which brings me to, Pete got an ear infection. I could not get the medicine in his ear, even when he was muzzled. Because we could not treat his ear infection at home, Pete had to be sedated and had the ear deep cleaned with a long acting medicine added. During the vet visit, Pete had to be muzzled and there was a scuffle to get the muzzle on where Pete's eye and maybe jaw or a tooth were injured. This was 3 days ago. Pete won't open his mouth, he is hungry and not willing to eat, yelped when he ate a soft treat this morning and is not drinking enough which makes me suspect the jaw or a tooth was injured in addition to the eye. I am waiting for the vet to call back. This will likely mean another visit to the vet, sedation, an x-ray etc. This whole thing has not been good for Pete's reactivity or our bonding.

How to you manage your reactive dogs and the vet? Is there someway to sedate before you go and avoid the struggle?

Pete has one level 3 bite in his history - a resource guarding case where we both went to grab to guarded object at the same time. I got the object, he got me. When Pete reacts, he usually goes after the medical object/medicine/muzzle/etc. and not the people. We are trying hard to prevent anyone getting bit and also from Pete getting injured. He warns, lip curls, growls and air snaps before biting and we always, as much as possible, respect the warnings.

My company is offering Chubb Lifetime Benefit Term. It seems expensive and I am not sure it is worth it.

I am 50yo female. In good health, exercise and normal BMI.

Husband and I both work, household annual income is ~350k. We have a lot of debt (mortgage and education costs with 2 young adults sons in college/recently graduates where we are paying/paid nearly full tuition - 50k+ per year).

Benefits:

Guaranteed Premiums

Life Insurance premiums will never increase and are guaranteed to age 100. Thereafter no additional premium is due while the coverage can continue.

Guaranteed Benefits during your Working Years

Your Death Benefit is guaranteed 100% when it is needed most—during your working years when your family is relying on your income. While the policy is in force, the death benefit is 100% guaranteed for the longer of 25 years or age 70.

Guaranteed Benefits after Age 70

Even after age 70, when income is less relied upon, the benefit is guaranteed to never be less than 50% of the original death benefit.

Paid-up Benefits

After 10 years, paid-up benefits begin to accrue. At any point thereafter, if premiums stop, a reduced paid up benefit is guaranteed. Flexibility is perfect for retirement.

Features:

Your LifeTime Benefit Term coverage includes the following benefits:

Terminal Illness Benefit

After your coverage has been in force for two years, you can receive 50% of your death benefit, up to $100,000 if you are diagnosed as terminally ill.

Acceleration for Long Term Care (LTC)

If you need LTC, you can access your death benefit while you are living for home health care, assisted living, adult day care and nursing home care. You get the greater of 4% of your death benefit per month or $50 per day while you are living for up to 25 months to help pay for LTC. Insurance premiums are waived while this benefit is being paid.

Extension of Benefits

This extends the monthly Long Term Care benefit for an additional 50 months, after 100% of the base death benefit has been used for LTC.

Child Term Rider

Death benefits of up to $25,000 per child are available. You may convert this coverage to individual coverage at the child’s 26th birthday—up to 5 times the benefit amount. This conversion feature is guaranteed.

Costs:

emi-Monthly	Benefit Amount
$25.55	25,000
$51.10	50,000
$76.66	75,000
$102.21	100,000
$127.76	125,000
$153.31	150,000