Help! How do I get needy house guest to understand I am not thier cruise director?

I posted a question yesterday, and I got lots of answers, nothing of any use.

My spouse’s friend and girlfriend are here visiting from the UK. Specificallly London. THey are staying for 2.5 weeks and are currently staying in our spare bedroom. HELP! They can’t even take care of themselves and are expecting us to cart them around… Just last weekend we took them to lets say AZ for the weekend, not yesterday they are askign if I can drive them to Cabo San Lucas.. I kid you not. I absolutely said no to the latter.

This couple are 30ish male and 20ish female and all they want to do is drink drink drink.. I came home from work last night ot find them in the hot tub drinking again…. !!

I am forced to work. My spouse is disabled. I have no vacation time and I am forced to be here at the office 8-5 and when I get home..it’s “lets go for dinner and drinks!”

How can I set these 2 up to get out on thier own and not expect me to be the Cruise director?

Disability Insurance 19 – Understand Individual Disability Insurance Occupation Classification

Rates charged will vary as to gender and smoking status. The classification may vary between companies and the number of classifications may vary from as few as five to twenty or more.Occupations are grouped into classification and under writing is restricted to proper occupation classification.
Occupational Classifications are rated on their morbidity exposure and based on the answers received below:
1. Is the occupation and income stable and permanent
2. Does the occupation require travel and what is the normal location of the individual’s work site?
3. What are the work duties?
4.Does the occupation require a regular work schedule?
5. What economic, social or environmental factors impact the worker?
6. Are there any health or hazards related to the individuals job tasks?

The classes will vary by company, but I can tell you how one of the companies I deal with does it. They use five classes, as follows:
1. Class 5A
a) Professionals work in the office.
b) White Collar Executives that is in a senior position with senior duties.

2. Class 4A
a) Professional work outside the office with no hazardous duties.
b) White collar executive that is less experience and duties than someone at a 5 A level.

3. Class 3A
a) those work in non-hazardous occupations such as manufacturing agents, certain clerical duties like an auctioneer or surveyor.
b) Occupational demands that take them out of the office on a regular basis.
c) Supervisors, superintendents, contractors and inspectors.

4. Class 2A
a) Light manual occupations, such as hairdresser and barber.
b) Skilled trades people with good occupational experience, including plumbers, and painters.

5. Class 1A
All other insurable occupation workers.
Some occupations are not insurable. Disability insurance are harder to get issued than life insurance policy and it requires more detail.
The waiting period for these type of policies usually are 14, 30, 60 or 90 days and the benefit amount is based on a percentage of pre-disability income and is determined by the companies.
I hope this information will help. If you need more information of the about subject, please visit my home page at:
http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://businessdisabilityinsurance.blogspot.com/

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