Phyllis received a death benefit under a $250,000 life insurance policy that was included in her deceased husband's qualified plan.?

Unless they pay 100% of the cost, they cannot MAKE you take insurance. Did you READ the form you filled out? Because the form to "elect coverage" says, quite plainly, that you are opting in to coverage.

Tell them you don't want the coverage - one of the options should be "decline". Check that box. Keep in mind, it IS legal for a company to "opt you in" if you do NOT decline.

And . . .

Lastly . . .

The costs most likely are NOT outrageous - most likely, you don't have a realistic idea of how much health insurance that includes "free" birth control, free checkups no lifetime maximums, mandatory maternity, and inpatient drug rehab services, should actually cost.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.