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Also known as Jean
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Discussion Starter · #1 ·
Well, I officially joined the ranks of the unemployed on Friday. My boss told me they are eliminating my position. I've been in that job for 24.98 (according to the official paperwork) years -- or exactly 2 weeks shy of 25 years. As you can imagine this was a blow. They claimed they looked for something for me within the company (very large company) and couldn't find anything. They've been laying off people almost weekly since late November. Prior to this, my boss had told our group that we were in better shape than the rest of the company....... I guess that must not be true any more.

I've cried buckets and feel betrayed and dismissed, but I'm coming to terms with it somewhat.

DH is retired from teaching so we have income from that state retirement fund. I will be able to take early retirement from this employer and hopefully that paltry sum will help.

The biggest worry I/we have is about medical insurance. DH and I are mid-50s, we have 2 16 year olds at home, and medical insurance is a necessity. I will be able to COBRA the insurance we have had to date, and I don't know what this is going to cost but I've heard COBRA is very expensive.

For those of you who have had to find medical insurance outside of work, what have you opted to do?

This is a real bummer. Thank goodness there is only about 36 months left on the mortgage. And I guess DH and/or I can always bite the bullet and get a job and McDs or WalMart. However, I think I would not be able to bear it if one of my previous co-workers came in and saw me doing that.
 

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Dallas
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13,903 Posts
COBRA coverage cost you all that you and your employer paid + 2% more for their admin costs. For my wife and I it's over $900 a month. Luckily I am doing contract work that pays more than I made and the company I am working for will hire me agfter 6 months (3months to go as of tomorrow). Cobra only runs for 18 months so you will need to find your own insurance after that. If you are in bad health or more than a few pounds overweight, you'll get turned down - insurance companies are in businss to make money, not to pay your health care costs! Hopefully we'll have national health care before your runs out.
 

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Also known as Jean
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Discussion Starter · #3 ·
Geez..... there is no way I can pay $900 a month.

Like you I hope national healthcare comes our way soon. I've got coverage now until early February, taking into account accrued vacation, but I doubt there will be any national plan in that short time.

We better start checking out buying it on our own someway.
 

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I was in your shoes a few years ago. Worked for the same company for almost 25 years and they ended up closing 5 of the 7 plants I was responsible for to prepare for sale (I was the division quality mgr). I was lucky and knew a month or so ahead of time. Also got a good severance. I know it sucks right now but I am so much happier a couple of years later. I've been through a couple of jobs but found one that seems to be a good fit. Also take work a lot less serious and kind of got my life back. taking a pottery class in the evenings and just enjoying things more...not as career focused.
 

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"And I guess DH and/or I can always bite the bullet and get a job and McDs or WalMart. However, I think I would not be able to bear it if one of my previous co-workers came in and saw me doing that."
???
Who cares what an aquaintance or even a friend would think?

You can get temporary health insurance, google it online. It would help if something requiring surgery were to come up, I dont know about routine care though.
http://www.assuranthealth.com/corp/ah/HealthPlans/Get-A-Health-Insurance-Quote-Now
It may be cheaper than Cobra payments.
 

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Been where you are now and it is no fun at all. Couldn't afford the Cobra so I (DH was on M/Care) was just without insurance for 2 years. I always felt that if I got really sick I'd go to the teaching hospital at the University of Texas in Galveston. They charge patients on a sliding scale according to your income. It wouldn't have been a perfect solution but it was all we could do at the time. Fortuntely I didn't have any major things happen.
 

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My MIL is in the same bind. She is 63, and her job was knocked down to part time. This caused her to lose their health insurance. She has been there for nearly 30 years.

They are in a real pickle. The Cobra is cheaper than what she can buy insurance on the open market, considering her health.

Isn't it funny that all the school administrators where she works got to keep their health insurance, while hers was ripped away because they needed the cost savings? This is the same school that has a football arena that cost $1 million dollars just a few years ago.

As for your self esteem...do not take this on the chin. It happens to the best of people. It just takes one idiot in management to slash jobs, no matter how important you are.

I bet if you took a poll, at least 75% of honest people would admit that at sometime in their life, they were left standing without a job.

Don't let this get you down. Make sure you land on your feet, and smile at the world. Sell those years of experience to someone else.

Oh...don't forget to slash any and all costs, and stockpile every dime you can get.

Clove
 

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Banned
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I don't know exactly how old you are but if you're 55 or over, there is a health insurance policy available through AARP. I don't know the ins & outs but it may be worth checking into.

I'm sorry about your job, that's a very long time to work at one place only to find yourself eliminated. :mad:
 

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I'm real concerned that two weeks shy of 25 years they couldn't find something for you. Are you getting a pension? You should be. Contact a labor attorney.
 

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"And I guess DH and/or I can always bite the bullet and get a job and McDs or WalMart. However, I think I would not be able to bear it if one of my previous co-workers came in and saw me doing that."
???
Who cares what an aquaintance or even a friend would think?
I was thinking the same thing. They aren't very good friends if they would think less of you for taking a job to pay your bills. Any job you can get that helps you is a good job & you should be proud to be working it.

This isn't directed at you, but there are way too many people that aren't working because they don't want to take a job that they feel is beneath them. A job that they think would make them look less in the eyes of others.

Don't be that way. Take whatever you can find. in this day & age it's what you have to do.
 

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To the original poster; I could never afford the COBRA, but I got a $2000 deductibe insurance policy with Blue X Blue Shield that was the same. Yes, it was $2000 deduct. about 10 years ago. I'm up to 3500 now at 53; these plans increase w age. But it has been a life saver and emotionally it's easier to confront needing 2k, rather than not being able to have any medical care. I have never been able to get a better price from a dr for cash here, but did when I lived up North. Best wishes, ldc
 

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That was a cruel let down, I fear a lot of people are going to be facing this situation in the near future.

Job wise, Ive worked at a couple of temporary service companies, & have had basically good experiences.You don't get top pay, if they had health insurance,they didn't tell me about it. However, I have been offered long term employment from some of the company's I was temping for. Some company's like to hire a temp & see how they work out, if its a good mix for you & them, they will usually offer to hire you.
If on the other hand its a really bad place you can tell the temp company it is & you dont want to go back there, & they will line you up with a different company.

I hope this helps.
 

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Wind in Her Hair, that is a very good post! I have been on unemployment for 6 months and still haven't found a job! I have no insurance now and I guess I will do with out for the time being! I am going to think of cleaning houses and maybe part time at the Dollar Store! As long as I can eat I am happy! Hopefully in the mean time something better will appear!
 

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Hold your head up and be proud if you can get a job at Wal mart or McDonalds. There are many older people without a job right now and many young high schoolers looking for one.

I heard that our local factory layed off and terminated people this past week. They did not go by seniority or give a reason for terminating. Some of the terminated was trying to figure out just why they were terminated. They had good percentages and no points against them. Would make you wonder.

As for national health care, I for one hope it never comes about. Talk to some of the people from Canada that have it and hear what kind of problems they have. You have to go to the doctors that the nhcare says, and perhaps they will take care of you and perhaps not. I myself would rather be able to go to what doctors I choose. Insurance isn't cheap, even when a company you work for helps pay. What we do need is for the goverment to tell the insurance companies that they have to freeze the price for coverage so it can not be raised more. They bailed out Fannie Mae and Fredy maybe we need to send them our healthcare insurance bills.
 

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Chief Vegtable Grower :)
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As for national health care, I for one hope it never comes about. Talk to some of the people from Canada that have it and hear what kind of problems they have. You have to go to the doctors that the nhcare says, and perhaps they will take care of you and perhaps not. I myself would rather be able to go to what doctors I choose. Insurance isn't cheap, even when a company you work for helps pay. What we do need is for the goverment to tell the insurance companies that they have to freeze the price for coverage so it can not be raised more. They bailed out Fannie Mae and Fredy maybe we need to send them our healthcare insurance bills.
Just so you know, there was a thread on here a while about about Canada's health coverage. I do not believe there was a single poster on here that did not like Canada's program. They all said we go when things start to get bad instead of waiting like most of us in the USA do.

Carrie in SD
 

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Dallas
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I agree, in that thread not 1 Canadian said anything bad about their healthcare.
Funny how it seems the only people complaining about National Healthcare are those whose employer covers their insurance -- I guess its the "I got mine' attitude.
<<end of rant>>
 

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Unreality star
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You have to go to the doctors that the nhcare says, and perhaps they will take care of you and perhaps not. I myself would rather be able to go to what doctors I choose.
LoL

Have you actually had health insurance in the US? You go to the doctors they say you can go to. You pick out of a VERY short list of physicians that still happen to be accepting new patients, and you go to the one you pick. For a specialist you go to the one they tell you you can.

You cant just pick and choose which doctor you go to, in most of the health plans in the US.
 

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Step back and take stock as to where you want to go from here. There are options, and sometimes in life these decisions and actions that are forced upon us can lead us down a better path.

And yes you'll hear all sorts of individual horror stories, problems and niggles about national healthcare systems, but you'll find very very few people who would overall trade the US system for the one they have.
 
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