Happy surprises might be hiding in your mail

24 October 2025

Over the years, I’ve encountered many clients who don’t open their postal mail. Some take it to extreme levels. I get it. Mail can be scary. I remember back when I was dealing with credit-card debt I would be afraid to open the mail and see my statements.

But I’ve learned that the truth is the truth whether or not you know about it. And ignoring your mail never helps.

Moreover, when you open your mail, you may find happy surprises. This happened to me recently when I received a letter from my health insurance company. (I get my health insurance on the marketplace.) I fully expected it to be a notice of a rate increase for 2026. But I cringed and went ahead and opened it.

It was a check in the amount of $1,119.26! I was incredulous so read everything in the accompanying letter. Come to find out, by law there is an audit every three years of companies who offer health insurance through the marketplace. If a company doesn’t spend at least 80 percent of its proceeds from premiums on health care, its members are due a rebate. (I’m paraphrasing from memory and probably grossly oversimplifying.) I’d never heard of this rebate, so wasn’t expecting it. And if I hadn’t opened my mail, I wouldn’t have known about it!

Three weeks later, I received an email from my health insurance company telling me I should have received a rebate, so I eventually would have opened the envelope if I hadn’t thrown it away.

Just like clearing off your desk, putting away your clothes or emptying your email inbox (and lots of other things), opening your mail is easier if you do it every day before it becomes overwhelming. And who knows? Maybe your effort will be rewarded by a surprise check in the mail! (Or something equally nice.)

Photo by Wolfgang Vrede on Unsplash.

Tagged with: daily habits, mail, procrastination