Accidental Death and Dismemberment Insurance

I tell this story with permission from Jonathan...
When Jon started work last week he was given many "big decision" forms to fill out by human resources. We'd been looking over the forms and had discussed various medical and life insurance policies. We finally got to a form for accidental death and dismemberment insurance. Weighing the pros and cons we came to the conclusion that the likelihood of accidental death and/or dismemberment were very minimal considering our modest lifestyle. We threw the form away and went on the next one.
It became apparent later that night that dismemberment can happen to the best of us. For our wedding, someone gave us a vegetable slicer. It's a manual device and the user slides the vegetable back and forth against its surface and a blade and amazingly thin slices of vegetable come out on the other side. You get the picture. Oh, there is also a knob that you can mount the vegetable on so that you don't cut yourself. Jon was slicing potatoes on our new vegetable slicer and talking to me. It wasn't long before Jon was running his thumb under the kitchen faucet. I already knew what that meant because I'd heard stories about members of the Phillips family running their injuries under running water to stop the bleeding. Needless to say, it took a long time for the end of his thumb to stop bleeding. With this experience, we recommend that you think twice before discarding your dismemberment insurance. You may need it sooner than you think. ;)