DEAR ABBY: During the past 10 years I have tried dozens of diets, all of which were worthless. (One cost me nearly $1,000.)

I finally decided to try a medical program to help me lose the 130 pounds I so desperately need to lose. So what did I learn? My insurance carrier won't pay one cent of this $3,000 medically supervised weight-loss program. (Yes, I have tried Weight Watchers, Overeaters Anonymous, TOPS, Nutrisystem, Cambridge, Slimfast, starvation, etc. I have even looked into stomach stapling, which insurance would cover, but my doctor advised against it.)Abby, a person can be an alcoholic - no problem, insurance will pay for the recovery treatment. Drug addiction, same thing. Ditto for a mental breakdown. So why won't insurance companies acknowledge that there are people like me for whom obesity is a health problem? I am not a skinny little thing who is frantic to lose 5 or 10 pounds. I am 130 pounds overweight! I'm as addicted to food as an alcoholic is to alcohol.

Please print this if you agree. - SPEAKING FOR MANY

DEAR SPEAKING: Indeed I do agree. Morbid obesity is a life-threatening condition, and I am amazed that it is not recognized as such by insurance companies. I think it should be.

DEAR ABBY: I heard you on my car radio this morning, and I have a bone to pick with you. You were giving some tips on how to plan a wedding, and please correct me if I am wrong, but I believe you said a woman should not feel insulted if her fiance asks her to sign a prenuptial agreement.

Abby, I am an unmarried 20-year-old woman, and if my fiance asked me to sign a prenuptial agreement, I would feel very much insulted. To me it would mean that he didn't trust me and wanted to make sure I didn't take him to the cleaners.

Please tell me how you arrived at that cockamamie conclusion. - SYLVIA IN CALIFORNIA

DEAR SYLVIA: A prenuptial agreement benefits both parties and is especially important if one of the couple has been previously married and has considerable assets. If there are children from a previous marriage, it seems only fair that they should inherit their parent's estate. Unless this is provided for in a prenuptial agreement, in a community property state (and yours is one), the assets of the couple will be divided equally in the event of death or divorce.

I also recommend that each party retain his/her own attorney. And no one should sign anything without consulting a lawyer.

DEAR ABBY: With graduation time quickly approaching, I'm sure I am not the only person who is having a hard time deciding to whom I should send graduation invitations. I have lots of relatives living out of the state, and I know they won't come to my graduation, so wouldn't sending them an invitation be sort of like hinting for a gift?

I am trying to narrow down my list to include only people I am very close to and know will come. I don't want to leave anybody out or hurt any feelings, but I would feel funny sending an invitation to everyone on my Christmas card list.

Some of my friends are sending invitations to all their teachers, the school administrators, their doctors, dentists and all the people they ever baby-sat for. I suppose some of those people will feel cheap if they don't send a gift.

Please tell me what guidelines to follow. - SMALL TOWN, USA

DEAR SMALL TOWN: Send invitations only to your nearest and dearest. A good rule to follow: When in doubt - DON'T.

DEAR ABBY: This may come as a shock to some people, but when a person comes home after putting in eight hours at work, maybe, just maybe, he or she needs to sit down and rest. Alone!

Company can be a welcome event occasionally, but not every afternoon. This is directed especially to those who do not work and who arrive at my door about 4 p.m. every day. You know who you are! - KENTUCKY WOMAN, PADUCAH

DEAR KENTUCKY WOMAN: The problem is not them, it's you. People who lack the courage to say "Enough!" had better be prepared to be walked on. Because they will be.

C) 1988 Universal Press Syndicate