My wife works. She’s smart and pulls down some decent bucks. I work too. I pull down zero bucks. Because I don’t get paid for my job my life insurance company will not cover me for more than 1/2 of what they will cover my wife for. Their explanation for this idiocy is they have a formula they use. A formula? That’s all they will say about it. Apparently there is only one LIC that will cover for more than that but of course it costs more. The disdain and disrespect for the home caregiver by LIC’s really is pathetic.