Tuesday, March 22, 2011

Common Sense & Nightmares

The answer to yesterday's Who Am I was Louise Arner Boyd.

I am home from work today because although I am feeling better it is just common sense to take another day to recuperate so that I don't relapse because that would be a nightmare.

Speaking of common sense here is an article how to avoid injury after forty:

http://www.thatsfit.com/2011/03/18/stay-injury-free-after-40/?icid=main%7Chtmlws-main-n%7Cdl5%7Csec3_lnk1%7C206549

I could have written the article in four words, don't do anything stupid.

Nightmares? We all have them. I have two recurring ones. The first one is I am in a long line at the movie theater and can't find my wallet. I can't find my wallet because I'm not wearing any clothes. Where would I put my wallet anyhow? In the other recurring nightmare I am being held hostage with several other people in a bank robbery. Of course I become the hero by tackling the gun toting robber and save the day. After reading today's Oregonian I know longer wish to have that nightmare. Ever wonder what it is like to be held hostage?

http://www.oregonlive.com/milwaukie/index.ssf/2011/03/for_single_mother_held_hostage_in_her_milwaukie-area_home_the_ordeal_continues.html

Maybe in some other instance the person held hostage might come out of it better than this single mom did but you have to wonder if the Mom's story isn't more common.

Speaking of nightmares. What would you do if your health insurance company declared you dead when you weren't?

http://www.oregonlive.com/news/oregonian/steve_duin/index.ssf/2011/03/the_death_and_life_of_azusa_su.html

Maybe they should have noticed the premiums were no longer being taken out of their back account and screamed a little earlier but still there has to a better way to solve this issue than with attorneys.

Your comments are appreciated.

4 comments:

Pat said...

I like your 4 words better than I liked the article.

Awful story about the family held hostage. Whenever a person is a victim of a crime, even if they are not personally threatened, there's a feeling of violation. I can't imagine what it would feel like to cope with having been threatened at gunpoint. It's great that the boyfriend and some of the stores knew to call 911 for her, and I hope in time, she and the boys will recover.

The power of the press. The only thing that got the insurance company to rectify its own stupid error. They canceled her because of an "anonymous phone call" reporting her death? That alone seems like just an excuse, as does the "sent out a cancellation notice" since apparently nobody in the family saw it. In a way, it's a prompt to either examine your bank statements carefully, or to NOT pay things like insurance with automatic withdrawals, since you might not notice their absence.

Lady DR said...

I'm glad you stayed home from work today, both for your own sake and because of your consideration for the pregnant employee. I do hope you're feeling better.

Yes, don't be stupid is good advice. Unfortunately, there are not a lot of places offering the information that one may need to change one's approach to workouts, after a certain age (and that age may vary). Ergo, folks who've been following the same workout routine for years, don't realize about warming up and cooling down and the difference in muscles and such, as they get older. For example, I read research several years ago that said do NOT stretch prior to your workout, only after you've warmed up the muscles for at least ten minutes and preferably at the end of the workout. I shudder when I look across the pool and see the seniors in the CE water aerobics class stretching first thing, in 80 degree water.

The hostage situation sounds horrifying and what the woman and her children are going through - there's no excuse. How do you push someone out of a victim program, before they've resolved their fears and the underlying trauma? Particularly, when the trauma is affecting ability to work and causing financial hardship? We have way too many holes in our systems of caring for people who've been victims of crimes.

The insurance thing - I cannot believe the company canceled the policy, based on an anonymous phone call. When Walt died, I couldn't do anything without a notarized letter and/or copy of the death certificate. I didn't understand why the coroner insisted I needed at least a dozen copies of the death certificate, until I began dealing with the afternmath. Yes, maybe they should have checked the checking accounts more often, but the bottom line, IMHO, is the insurance company acted irresponsibly, in not confirming the phone call and verifying the death and even more irresponsibly in refusing to reinstate her, because she now has a pre-existing condition, let alone in refusing to negotiate some sort of settlement in regard to allowing back premiums to be paid and some sort of restitution on the medical costs, particularly considering how long they'd carried the same insurance. I didn't watch the entire video, admittedly. Still, I think there are some major issues with what's happened here and one does wonder how often this kind of thing, or something similar might happen. While I'm not in favor of lawsuits, have they really been left much choice? My fear? That insurance companies will stop withdrawing automatic premiums on elder clients, many of whom won't notice this is happening, thereby being able to claim they're not responsible, should a major health issue of any kind arise. I agree with the idea that automatic withdrawals aren't good ideas. I do a lot of stuff online, but I pay my bills with a check, against a paper statement, and MSMoney tells me if a payment is overdue, so I can see if a statement didn't arrive. I know, good and well, Mom would simply balance her check statement against checks written and never notice if an automatic withdrawal occurred or not. It's why we kept everything on on paper statements. We save trees by recycling in other ways.

William J. said...

Hi Pat

I know I felt violated the one time my house was broken into. And I was in the house at the time. Being held hostage at gunpoint would have been well beyond what I exerienced. I hope the lady and her kids will be able to get additional help.

I was shocked that the insurance company would list the insured as dead based on an anonymous phone call. Before taking such a drastic step of declaring someone dead.
I don't have anything autmoatically deducted from my bank account. I want to know, what, when, or where the funds are expended.

Bill

William J. said...

Hi DR

The extra day at home helped tremendously. I feel much better.

I think excercise rules are simple at any age, don't hurt yourself. Push yourself but don't go over the stop. I agree with not stretching prior to a workout.

That really bothered in the hostage article was that they quit counseling because the victim program couldn't afford for them to continue the counseling.

That is the most surprising thing about the insurance article, that the company canceled the policy, based on an anonymous phone call.

Good point about a notarized statement and copies of the death certificates. The pre-existing condition was hokey and just an insurance company trying to get out of their obligations in my opinion. I'm not in favor of lawsuits either but I would have sued this insurance company. I completely agree with you about having a check vs an automatic withdrawal!

Bill