I hate being a grownup!

Those who have followed my life since January, 2020 know that I’ve been dealing with some serious shit regarding my health, Worker’s Compensation, and Human Resources (a term that makes me feel like ore). For the rest of you, here’s a quick summation.

I was injured at work. My compensation claim was denied with the declaration of a Pre-existing Condition that I never knew I had, nor had any doctor I’ve seen in my life (and that’s a while). My HR department canceled my health insurance. When I fought back, they reinstated it with an “oops”. Then they canceled my dental insurance. Another “oops”.

The company that administers our FMLA plan told me (on Feb 5) that I had to be back at work by Feb 4 or risk termination. This, despite the fact that my continuing post-op restriction essentially defines my work. Try “no stress or strain to the abdominal or core muscles” while doing direct patient care in a hospital. To extend my leave requires a signed statement from the surgeon. Will he do it? Does he have time? Does he agree with the nurse who revised the restriction from “no lifting >20 pounds” to “no core stress or strain”? Stay tuned.

A big part of me wants to say “Fine. Fire me. It still hurts too much to go back to work.” The grownup part says that my Social Security benefit will be significantly higher if I stay there for 3 more years. That same grownup says that if I quit, give up my health insurance and go on Medicare, I won’t be able to provide insurance to my child until they turn 26, which was my plan; especially if they go to grad school in the fall and leave their job and that insurance. The grownup says: “You’ve stuck it out 20 years. You can live through 3 ½ more.”

See why I hate being a grownup?

Interval training with the Stray Cats

It has been exactly one month that I’ve been off work. To rebuild the endurance to get back to work, I stayed out of the house for half the day yesterday, running errands. It was exhausting. It is time for the next step – interval training.

The Stray Cats were my training partners for the day. With tempos ranging from ~60 bpm to over 100, and a couple of breaks for them to get a drink and between encores, they were a great inspiration and well-paced. I matched their tempo most of the time (hence the intervals). I managed to get my hands in the drops today for the first time – I haven’t been able to bend that far and have been on the bar tops exclusively until today. No fancy Smart Trainer for me; just the one I bought used about 30 years ago to rehab from a prior injury. (Yeah, I have to take it apart and fix it when it gets hot and falls apart – that may be why the original owner sold it – but that gets me another break.)

Health insurance rant

Ten years ago, I had a company paid health insurance plan. It was through an HMO. Everything was covered. Their job was to help me stay healthy. Then everything changed.

Health insurance costs began to rise precipitously. Wisconsin Act 10 banned union activity at my place of employment, so I lost my contract and my union’s protection. The Affordable Care Act set minimum standards, so employers raced to the bottom, choosing to meet the bare minimum.

The result? My health insurance now costs $231/month, I have a co-pay for each doctor visit, I pay 10% co-insurance for everything other than a routine doctor visit (lab tests, x-rays, surgery…). My maximum out of pocket expense is now $13,700/year (not counting premiums). My actual maximum is therefore $16,472, compared with zero dollars ten years ago – in practical terms, a massive pay cut.

Death Ride

Monitor Pass (snow should be gone for the ride), photo from California Alps Cycling

Registration is now open for the Death Ride on Saturday, July 11, 2020. Enjoy beautiful Alpine County, California, climb your choice of 1-5 mountain passes, and ride up to 129 miles (~200 km). For anyone planning to travel out there, a couple of handy options I recommend for sleeping – Turtle Rock Park for those of the camping persuasion, and Sorenson’s Resort for those of the sleeping indoors persuasion. Both are right on the route. Now that my reservations are in, I can tell the rest of you. This will be my return to the scene of the crime after 28 years. We’ll see if my legs and lungs still have it. Registration is also open for the Horribly Hilly Hundreds, the midwest’s answer to the Death Ride. HHH starts at Blue Mound State Park. Camping is available there or at nearby Brigham County Park. Both are great. I have no recommendation for sleeping indoors. HHH entry is by lottery, so get your application in by February 16. The ride is on Saturday, June 20. No, I’m not going to do both.

 A view from the top of Blue Mound.
View from Blue Mound, photo from WI DNR

Winter

If you live in a cold climate, remember your friendly neighborhood botanical garden. My first introduction to summer in the winter was the Mitchell Park Domes in Milwaukee. Today I visited Olbrich Botanical Gardens in Madison, where there is a special orchid display this month. I kicked myself for forgetting my camera with macro lens, so you’ll have to settle for iPhone photos. Check it out:

Author: halffastcyclingclub

We are a group of friends who ride bikes. Some of us are fast, some of us are slow, all of us are half-fast. In 2018, one of us is riding coast to coast across the US. If we meet Sal Paradise, we'll let you know.

9 thoughts on “I hate being a grownup!”

  1. I’m so sorry for what you’re going through, Steve. I would tell you that working longer to get your max social security is probably smart, but I’m not sure it’s worth the stress you’re dealing with. Being on Medicare, and paying a $220 supplement (with no co-pays, a really great plan), and NOT working is pretty awesome. But, I do understand your worry about not being able to cover your child until 26. I hope your recovery and rehab continue to progress in the right direction. I admire how hard you’re working at it.
    Vikki

    Liked by 1 person

  2. Sorry about that “fun” you’re having with your health insurance etc. What a drag. Great to hear that you’re staying positive though and thanks for posting one of our pics and for the Deathride shout out. Keep on keepin’ on!

    Liked by 1 person

    1. I work in healthcare. If you look back at my January 7 post, I make the point that most of the world has a healthcare system. The US, in contrast, has an insurance industry. I wouldn’t say healthcare has nothing to do with health or patient outcomes, but I will say that the systemic focus is not there. To be interested in caring for others is not strongly reinforced by the system, to put it politely.

      Like

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