Friday, June 2, 2017

of Insurance, Unemployment and Things...

Has anyone made a list to check off everything that needs to be done when the party is over?

Research health insurance.
File for unemployment.
Research stock options.
Research 401K options.
Address changes for any professional periodicals and magazines you want to keep receiving.
Update Facebook profile.
Update Linked-In profile.
Are you eligible for long term associate discount card? (If you are, the form was prolly in your original packet.)

I didn't include job hunt in this list because it's pretty much a go to right off the bat. And I wish all of you looking the best of luck.

And there's always the infamous "What the hell do I do now???"

Most of you probably have that one figured out. But for our two month window, the priority is on a lot of the above, and maintaining your sanity. Mine stays in question as is evidenced by the title of this blog, but that's just who I am. Any of you who know me are aware of that. And my kids have been calling me this for years.

But none of the items on this list are cut and dried. There are intricacies involved that you might not think about, which is what prompted this post. Someone was trying to figure out the gap in insurance and still have coverage for their scripts. I hadn't even thought of that. I did, a couple weeks ago, call in refills on all of my scripts. Unfortunately, some of them won't be covered by insurance until specific days, the last day being the 12th of June, which happens to be my term date.

If you're on medicare, how will that insurance be affected? Which plan will Medicare accept? Is there going to be a gap in coverage that will affect whether or not you can pay for medications, or if you child gets hurt.

When do you file for unemployment? How much will you be allowed and for how long? When will it start?

What is the best plan for my stock? Keep it where it is, or pull it out and diversify into IRA accounts? Should I move it to an investor to be managed and risk losing some or all of it in the stock market? I can tell you I've been watching our stock daily.

I can tell you right now that I don't have answers for any of these questions except where it concerns me. There is no one size fits all for any of this. So do your due diligence and if there is anything I've forgotten, please let me know.

Have a great day all.

Wednesday, May 24, 2017

My Brain Hurts

So, with the big lay off at work, comes a myriad of headaches. New insurance, what to do with 401K, what to do with stock...learning how to be unemployed.

To clarify, I'm already on Medicare and collect Social Security. So, I have to keep those elements in mind while I'm sorting out everything else. Money will be tight so I'm  trying to work within a budget.

The last 6 weeks have been a roller coaster of emotions. I'm not going back to work, I think I mentioned before, I'm tired. 18 years is long enough to dedicate to a company I no longer trust. I admittedly cheer each time I read a post by someone they let get away, who have found another position outside the company. The former company's loss is the new company's gain. You don't throw away experience as rich as they have and not expect someone else to snap it up.

I have an amazing brother in law who is helping me to navigate through some of this. After spending pretty much the entire day on the phone, in email and in chat with him and an insurance company, I think I've found a health care plan that will provide me with the most benefit. I am so insurance illiterate and I warned the agent at UHC up front of that fact. She was an amazing help and I told her so.

My family is also being very patient. Steve keeps telling me, this is my time to do what I gotta do. Yesterday I got out of bed so depressed. Decided I needed to do something for me, so I went and got my hair cut short short. It's now slathered with mousse and spiked and I love it. LOL, Steve, not so much. 

You would think that at this point I would be past the anger, the frustration, the helplessness and vulnerability, but they sneak up on you when you aren't looking. And it's not even so much that I was laid off as it was how they did it. Cold and unfeeling, like we were pieces of trash they were throwing out because we were no longer useful. Lot they know.

I was not a superstar, I didn't have a degree or a wall full of certificates. But I made really angry members laugh by the time we got off the phone. And I probably knew more about membership than anyone left in membership. I spent 17 of my 18 years there. And if I didn't know the answer, I knew who to go to.

So as you can tell, this has been one of the less than pleasant days. Having to deal with each thing I have to deal with brings to mind the reason I'm dealing with it and I get pissed off all over again. And I expect that will continue to happen until everything is completed.

But, then again, maybe not.

Sunday, May 14, 2017

In the beginning....there was a 7 Year Plan...

In the beginning....there was a 7 Year Plan....

I suppose one new journey deserves a second one. This is basically my first attempt at blogging and I'm sure I'll hafta rely on my sister, the Master Blogger, several times.

Three years ago, I had a 7 Year Plan to retirement. In four years I'd have been able to collect SS every month, use that to pay off the bills, and by the 5th year, my paycheck would take care of the household bills on my plate, and I could stock away the rest for retirement and maybe an occasional trip. We don't do long trips, we really only do long weekends, but I could stretch a long weekend depending on where we wanted to go.

Three and a half years in, my employer short-sheeted my 7 Year Plan. Summarily displaced from an 18 year position, my 7 Year Plan went up in flames.