Hello, to whomever may be reading this, I appreciate you for taking the time to. Let me start out by saying that I have been working since the age of 19. I have spent 25 years in a foodservice warehouse. I am very good at my job, it has given me a great life which up until now, I couldn’t have been more proud of.
Since may of this year, my size and years of working, have caught up with me. I was place on short term disability through my regular doctor, and was getting treatment up until August. In August, after my flma ran out, my health insurance was taken away. I then had to wait for a letter from my employer, that had information in regards to purchasing an outside insurance policy. Well that seemed easy enough, which I ended up doing, not until the first of October. It took a long while to recieve the information, and also to find an insurance rate that I who now, is on disability benefits.
So now it’s the first week of August, the last time I seen my doctor due to the lack of insurance. Here’s where something I didn’t expect to happen, well happened. I was informed by my short term disability insurance company, mutual of Omaha, that I was terminated from my employer that first week of August. I was shocked needless to say, but luckily after doing some digging and getting a hold of people who can look into it for me, that that was just not true.
So all the whole from August through the end end of October, I wasn’t receiving any benefits. I had to basically wait until my employer fixed the situation, informing mutual of Omaha that my termination wasn’t true. Also, since mutual of Omaha closed my claim, I had to reapply for disability. Here’s the problem, I was still in that waiting period for insurance, and also had no income to even pay for a policy.
Come October I finally Recieved what was owed to me those couple of months ago. In the meantime I had to dig into my savings account, and run up some credit cards. This of course took its toll on my credit score, which I worked really hard to improve upon.
So now, my current situation is I was supposed to be put on long term disability, which would provide me with funds to get my policy going again, or at least to see my doctor’s again, even out of pocket.
I just found out today though that I cannot claim disability because mutual of Omaha says that they Recieved a letter from my doctor’s office stating that I was released to work at the end of November.
I was floored, like why wasn’t I aware of this? Why isn’t my job calling me wondering where I am? And most importantly, how can I be released from care when care just hasn’t happened?
As a side note, should have mentioned before, but I have several vertebrae that need tended too, and I have a herniated disc. I also have avascular necrosis of both hips. I’m 6″10″ and 330lbs, so I think my career choice just caught up with me.
So now currently I have a mother in assisted living, she has been diagnosed with dementia and alzheimer’s. Her care is very important to me, and hospice has taken over this past week or so. I also live with two elderly dogs who can no longer walk, they are 16 and 15 years of age. I know it’s time to make this decision that I really don’t want to make, but I know their quality of life is slipping away. If I had the funds to do so, I would give them peace.
My short term disability ran out Last month, and now since I am supposed to go back to work, even in the same condition, I don’t honestly know what or where I’m heading.
Since I’ve had some time away from work, and my dog’s spend a lot of time sleeping, I took up a new hobby. A new interest over the past few months. I have been making props for Halloween, making signs to hang for other times of the year, like Thanksgiving and Christmas. I’ve been doing dioramas too which I have found to be quite relaxing. I have gotten a lot of positive words sent my way from friends and family members, when I post a new project on social media they seem to gather a bit of attention.
Well I thought that I would list my items for sale, I figure I might as well make a little money on the side. We’ll unfortunately, aside from a couple of special orders, I haven’t had much success. Still have my motivation though! I believe it’s a good way to express myself.
So I guess lastly, I’m just looking for a financial boost. Just something to get me through the waiting on doctors appointments, papers to be filed, insurance claims to be sent out….I’m currently behind on my December bills. I am a homeowner, it’s me here with my poor old dogs. If I had some money to just toss in the bank to cover my expenses, I would be very grateful! Even if there was some to throw at my new hobby, which I did open an etsy store for, but again not much action. I am planning to attend some art fairs and markets next year around me locally. The best way to advertise is to show off what you offer in person. Pictures just don’t do justice, that old saying.
I am confident that everything will end up working out for me, but again in the meantime, I just would ask humbly, for some help while again, things get put into place. If I need to go into a long term permanent disability, then that’s fine, but my bills just can’t wait.
Thanks again for any and all whom have read my story. I’m an honest person I always put others before me, but now it’s me that is needy and I just don’t know for sure how to help myself. Sounds ridiculous I know, but I did spend a lot of time taking care of my mother before hospice took over. Glad they did, and glad she is in good hands.