TONI SAYS: Explaining 'lifetime reserve days' in simple terms | Lifestyles moultrieobserver.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from moultrieobserver.com Daily Mail and Mail on Sunday newspapers.
Why did a hospital medical claims division employee ask my husband James to sign a form stating that he is aware that he is now in his “lifetime reserve days”