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lurker/sorry its very long

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Posted by catballou ( on April 27, 2004 at 21:12:24:

In Reply to: Re: Whats the prime reason for your financial catasrophe? posted by Old lurker on April 27, 2004 at 19:26:56:

i agree with that to a point. my kids dont live lavish either..their beds are on the floor. lol. some may do it to themselves..some dont. so , try not to brush every debtor with the same color.
..what could i have done? i HAD savings..i have insurance..it wasnt enuff. nothing short of a million would have been and how could i save a million? it just ate it up. period. illness..9/11...i dont think a thing i did or didnt would have mattered. not in the long run. at one time we were spending 1000$ a month on meds alone. medicaid wont pay all ...at the time it didnt..and asking drs for help fell on deaf ears. i ended up being threatened with elderly abuse charges because i couldnt pay 50$ for a laxative!!! the heart meds were 500$ and took it...ooops. isnt ex-lax ok? not for some drs. truly...perhaps i read some of this wrong..and im rattling too much..but its not all our fault. if someone has other ideas where we went wrong..please ask or suggest. i dont see how we could have done diff. its not like we have anything fancy now. or then. when family needs something..i cant turn my back. we were evenbeggin the salvation army and red cross at one time. ha . ha. they dont care. sorry, but i think this hit a nerve and i apologize..but it seems a awful lot of finger pointing and saying i cause it all to myself. and i dont think i did. i did the best i could at the time..and im not here because i had to have that 5th fur coat or vette. i dont think most of us are.
you wont believe this, but at one time, we had savings..and a perfect A+ credit. a few years later...it was gone. i woulda needed 250,000$ to be enuff.
but for the grace of God,,if your parent gets ill,,your child, try to hire a 24/7 caregiver. pay the meds the insurance wont pay. the trips and the gas and food for chemo. see how long you keep your job. then see living without the job. think about leaving that parent or child alone at home while you work. it wont work. you cant do it. i couldnt. we didnt have 100$ for ONE blood draw. 50$ to come give a bath. someone loses their job to provide health care. and then yuour income is halved. any ideas?
sorry, this all hit a big nerve with me. i feel guilty enuff as it is...saying i could have fixed all this had i planned for a catastrophic illness...then 2...im sorry. cant be done. if you know how to do it, tell me please. insurance doesnt pay it all..nor the things needed priceless...like time...hiring a caregiver is unreal expensive..if you can get a decent one. one to work the 11 pm to 7 am shift just so you can sleep,,,good luck.

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