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Bureaucracies


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#1 barefut

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Posted 27 July 2009 - 05:28 PM

Well the bills are starting to roll in from my trip to Swedish. Time to start the charity applications again. My health insurance co is still deciding if they will pay the $21,000 Big City Hospital bill and they denied paying for a test that was ordered by a doctor I never laid eyes on at my local hosptial. I don’t even remember getting this test - maybe I didn’t? But then again I was there for memory problems. I guess they could have billed me for anything they wanted to.

So now I get to see those gigantic numbers come rolling into my mailbox as my stomach does it own rolling. Is there anything more stressful than money woes? Oh right, health issues how could I forget? What a vicious cycle: get sick - go to hospital - get billed - get sick - go to hospital - get billed - get sick…

Last week I had to swallow my pride again and ask my little sister for a ‘loan’ (yea, who am I kidding? - not her) She has bailed me out more times than I want to think about. I pretty much don’t have any pride left. In fact I don’t even say, I need to “borrow” some money anymore. I just say, “I need help - again”. I’m choking to death on my pride.

They say bad things come in threes. Number two: My public assistance never paid the my childcare provider. They say I never returned my paperwork. They are right. They are right because their paperwork told me I could opt to call them and give them the information they needed from me over the phone. Which I did. But they have no record of me calling. And because I did not check the right box on the paperwork I had JUST sent in for my other assistance programs, I am outof luck on the childcare assistance.

I owe my childcare provider over $1000 for the month of July. According to their policy, non payment means no childcare. No childcare means no workey-workey, no workey-workey means no money-money, no money-money means no housey- housey… I have to say that the provider has been great about everything so far. But they can only be so great for so long. “Hello, Sis?” Wait - how about “Hello Ex?”

Number three: IRS. I’ll just leave it at that because it would not be cool to discuss the reasons behind why I am owing back taxes through no fault of my own. I will say however, that dealing with the IRS through a certain relief program over the past 2 years and ending up having to go through a tax advisor to get anywhere with it, and making payment arrangements that I could not afford and having to change my arrangements and trying to make my payment online and not being able to log into the website and having to spend my lunch hours on hold with umpteen different IRS offices and in the end just having to mail my payment arrangement late, has all been deserving of another trip to the hospital for more tests I don’t need and my health insurance won’t pay for.

#2 Shelley Ensz

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Posted 28 July 2009 - 03:19 AM

Oh, Barefut, that sounds like such a mess! How are you managing to deal with all the stress? I'm sorry for all you are going through, and hope that some things start to resolve themselves soon. Like, wouldn't it be wonderful if at least the insurance company pays the hospital bill? I'm sending lots of positive thoughts your way.
Warm Hugs,

Shelley Ensz
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#3 Amanda Thorpe

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Posted 28 July 2009 - 04:26 AM

Hello Barefut

How right you are, money worries are the last thing you need when you are ill! Recently my IB (incapacity benefit) stopped becaue the IB office said they didn't have certain information but discovered it when I called them. They then told me the IB would now be paid at a lower rate, about half, than previous because I get a pension (ill health). Basically I get penalised for getting a pension because I can't work. What to do about the deficit?...hmmm maybe get a job...wait a minute wasn't I just pensioned off at the ripe old age of 40 because I was too ill to work?!

It gets better, the IB office then told me I would get back pay which I did, what they didn't say is that they would then consider me to have overpaid by hundreds of £££'s and ask for it back! Now I used to work for a government department and I know how wacky they can be but to pay someone money knowing it would then make them overpaid is just incompetence. I feel a letter to my MP (member of parliament) coming on!

I hope you get some sort of resolution and may I say I think that you're amazing. You work, run the home, bring up children and have scleroderma. The prestigious Sclerodermian of the month award goes to...you.

Take care.
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#4 jefa

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Posted 28 July 2009 - 06:30 AM

When it rains, it pours. Sometimes it just seems like the umbrella is just not big enough. If hugs were $$$ you would be rich, sweetie. :D

I know it's hard at times, but things do seem to work out for you most of the time, one way or another, judging from some of your posts and blog entries. Hopefully something will go right soon.

Don't give up on the child care provider payment. People who work in these offices are just trying to follow the rules, but sometimes if you get the right person at the right time with a sweet smile and and a tear or two, you can persuade them to change their mind.
Warm wishes,
Jefa

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#5 mando621

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Posted 28 July 2009 - 09:24 AM

I'm sending warm thoughts your way too.

These days it seems to be the norm to have financial worries hanging over all of us, it just isn't fair that if you already have your plate full of trouble to get a heaping helping of more.

I've been frustrated in looking into financial help for individuals who have had to nearly bankrupt themselves due to health issues. One person recently let me know that she was living on her credit cards because she doesn't have a job. She recently battled ovarian cancer and is dealing with all that too. I thought "surely there must be some type of resource available for people battling tough medical problems", but alas, not that I could find.

I hope things work out with the child care provider. I'm not familiar with UK paperwork, but here in the US it can be just as bad. I usually opted to pay on my own and get the tax credit because going through a system that paid for childcare just had too many strings attached. I had a babysitter that refused to give me her tax ID so that I could get reimbursed for my expenses, and finally got that settled. I ended up finding a different daycare center that was less expensive and seemed to work out okay.

Hugs, and a shoulder to lean on.

Mando.

#6 Jeannie McClelland

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Posted 28 July 2009 - 12:43 PM

Did you ever think bureaucracy should maybe be spelled buroCRAZY? :lol: I sure do! I'm trying to collect a pension but getting the 3 countries in which I have funds to play nicely together is just about impossible. 'They' might not be crazy but they are sure making me that way.

Hang in there!
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#7 Sweet

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Posted 28 July 2009 - 01:13 PM

Barefut,

I have a huge lump in my throat and tears in my eyes as I type this. Our whole system of trying to keep our heads above water when we are not made of money, and sick is disgusting!

I have no idea how you are dealing with this. I am thankful for your sister, and in my mind the word bankruptcy keeps peeking in. Is that an option?

Love you girl....
Warm and gentle hugs,

Pamela
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#8 barefut

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Posted 29 July 2009 - 04:04 PM

Wow, thanks you guys!

I really must be losing it because this was supposed to be a blog! However, I am glad that it ended up here because I really needed and so appreciate your encouraging, sympathetic replies.

Shelley ~
Crossword puzzles. I learned from you that distraction makes a nice home remedy for pain and it works for stress too! Yes, if my insurance company pays Swedish, I will show you all a happy dance!

Amanda ~
Thanks for your story - sorry you have to deal withit too but it helps knowing I'm not the only one - and the US is not the only country for this craziness. Thanks also for the award!

Jefa ~
Thanks. I lost my cool with a gal over the phone but she was so rude she was almost mean! It's not what they say - it's how they say it! I so didn't need her tone. If their office was local I would be in there in person - hopefully shedding tears and not taking anyone's head off.

Mando ~
I've been there, done that with the living off the credit cards thing. Still paying that off...I am in the US, so you do know what I am dealing with. Thank you for your symptathy.

Jeannie ~
Yes!!!

Sweet ~
I am thankful for my sister too! I could not get through life without her or my dad. Bankruptcy has actually popped into my head once but I am going to do everything I can to aviod that. Your nick name is so fitting! Love you too!

#9 Alexandra

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Posted 31 July 2009 - 07:31 PM

Dearest Barefut
I just can't bear the thought of such added torment on top of the daily or even hourly struggle of ill health!
Much as everyone else who has replied I too have had my share of money challenges.Amanda, I have recently had to reapply for my incapacity benefit,the sheer size of the form set my fingers into painful swollen sausages after filling it in!
I remember having to do a physical assessment and without even looking up from her desk the rather horrid lady doctor made me stand in my underwear in a cold room,and asked me how far I could carry 2 bags of pototoes!I said I can't carry potatoes,she said in a very sarcastic voice 'not even one bag?'
Eventually I walked to her desk and put my hands under her nose,they were by now dark blue and of course stiff,swollen and very scarred from surgery to implant metal plates.
She went a very slight shade of pink but still wouldn't look me in the eye.
I got my benefits.
It feels like an insult to be questioned in this way but on the way in I followed a rather jolly girl bouncing down the street,as she turned into the benefits centre she put on a pair of shades and started limping, I was absolutely horrified!
Anyway dearest Barefut,I send you love and an enormous hug!In our next life we shall all be millionaires!
Alex
xxx

#10 Amanda Thorpe

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Posted 01 August 2009 - 10:30 AM

Hello Alex

You have got to be kidding me about the bouncing girl! Unfortunately I know you're not so let me share with you the tale of a man who was claiming either incapacity benefit or disability living allowance and he was caught, on t.v....running a marathon. Yes a marathon. There's not much you can say about that.

Take care.
Amanda Thorpe
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