Monday, December 6, 2010

Good News: Bad News

I just called work and not only do I have no sick pay, I also have no job and no insurance of any kind.  The good news is that it is all reinstated once I win the appeal with the LTD company.  The bad news is that I carried the insurance for the whole family for health, dental and vision as well as life for myself.  So not only do I have no income source at all I also have no way to go to the doctor unless I pay out of pocket.  The good news is that I live in MA which is the first state to mandate health insurance.  Since hubby made so little money this year due to the bad economy we might qualify for the state subsidised health insurance.  The bad news is that it won't kick in until Jan 1 and I need tests and appointments done pronto for the appeal for LTD.  Good news is that I have found a lawyer that does insurance cases for individuals (there are tons of law firms that do them for businesses but few that work for the individual).

So in summary:
  • Waiting for the lawyer to call back
  • Waiting for the rejection letter from LTD
  • Waiting for the info packet from LTD company so I can start a battle plan
  • Need to file for insurance through the state but need pay info from hubby first
  • Need to cancel all unnecessary doc appointments for the rest of the month
  • Need to return CPAP machine (no big loss there: I detest that thing)
I'm trying to see the good in all of this.  I'm trying to tell myself that things will be okay.  But I am getting stressed out.  I want to cry and I'm getting overwhelmed and fatigued and can feel a crash starting.  Things are just crap right now.