address to who I was to deliver it to - luckily - I had the daughter's name and address - so I mailed it there. I hope they each will forgive me - I also found out that I have forgotten to pay our health insurance premium and that has been cancelled - of all the things I needed to do - this was one and I have forgotten. While we were in Rick's Speech Therapy today - I notice an couple things - I have don't have much of what they call short term memory - I have lost it - I tell you - so many things are piling up on me - I am about readdy to crack - but can't do that - I wouldn't be able to pay for the stay in the lunny bin.

Shirlene, I forget what I walked into the room for and if I don't make notes for myself and put them in my purse I will forget. My hubby forgets before we get the end of the driveway (30 feet) where we were going! With all you have to deal with you can't expect to remember everything. Talk with the doctors and ask for their help in either trying to get your insurance co. to pick you back up or find you public assistance to take care of it. If I were you I would have been sobbing on the bathroom floor long before this, I don't deal with stress of money well. My health gave me no worries but hubby's did and all he needed was stents. Money is it for me, when he retired we still owed on our tiny house about what it was worth, been bankrupt, refinanced many times and I didn't want to lose the house so we took out well over half of his 401K to pay on the house. We made our last payment this month on the major mortgage but have a small one that isn't much a month. Now come income tax time we have to come up with at least $12,000 to pay on what money we used plus we think social security will make us pay back a lot of what he got this year. I don't know what we are going to do but I am thankful that we do have a roof over our heads that I know we can keep. Hang in there girl.

1 comment

by shirlener88 04 Dec 2010

Thanks Debra, I will be praying for you - that all things work out for you - I can't think that far ahead - but I am sure the come tax time - we will be hit hard, too. *4U

I am sorry to hear you are taking such strain. e strong - can you health insurance not be re-instated? Surely a missed payment cannot should be suspended?
Good luck nd hugs and prayers

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by shirlener88 04 Dec 2010

Elzabeth - it is terminated - no going back. Thank you *4U

Shirlene almost all Ins. companies have a 30 day grace period. Have you called & talked to them?

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by shirlener88 03 Dec 2010

It was terminated through Cobra, once it is - there is no turning back. And yes, I have.

Oh Shirlene how awful. Don't they send a reminder?? I hope there will be some way out of this. Hang on, girl, so much pressure, it's normal to forget things, you're not loosing your marbles - so forget about the loony bin and make lists from now on and put those in a place you can't overlook.

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by shirlener88 03 Dec 2010

Martine, no reminder - I feel through the cracks - never thought that I would fit - but I did. I have list - I try to put them where I will see them - but I must move them - to get to something else - but I am learning - from each of you - a different way to do things - thanks. *4U

BEEN THERE AND DONE THAT ALSO...I am very sure the daughter understands...And the LORD is watching over you....You are still alive to carry on and continue to trust...Rick is still there with you....Remember we were all born naked and naked will be in the end at some point and time....You didn't have anything when you were born and what we have won't be with us anyway....

SO...BUCKLE UP SWEETIE....YOUR FRIENDS ARE HERE....RICK IS WITH YOU...YOU HAVE A FAMILY....YOUR HUMOR AND KINDNESS IS STILL THERE....Lets see what we can do...to help....

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by shirlener88 03 Dec 2010

Deanna, how very sweet of you and I am going to try to keep this post in mind and buckle up. Thanks for all the kindness, too. *4u

You have all been angels - but I must admit - there is nothing that can be done - we will not have insurance - unless we can find a private pay one - that will take us on - but we will still have all the bills for the last four months - plus anything that we acquire until we do get insurance. I do believe the devil is at work on Rick and me. I am trying to stay positive, but I am so frustrated with myself for letting this insurance go and not paying it - it stands to reason why they wouldn't change their ruling - all the money that they have paid out in the last 9 months is staggering. The last 4 not as much as the first five, but these are overwhelming as well. Each doctor that we went to today - still wanted more testing and further referrals. I have been done and not sure how to pull myself up - I will pray on this and see what God tells me for tomorrow. Thanks for your kindness and wisdom. Unconditional Love, Shirlene

Big hug to you Shirlene! You just have to much on your plate right now! Please stay strong in your faith! Big hug kim

Shirlene don't beat yourself up so much. I know you are worried about all the bills and that's understandable, but as suggested your doctor may be able to help you out. You all are on my mind alot and all I can do is continue to lift you all up in prayer. God will not put more on you than than you can bare even though it seems that way right now. We Cuties will keep praying for you and Rick and see what God is going to do. He is a mighty God. Hugs, Judy

Oh Shirlene, I haven't been on much and now I read this. You have so much on your shoulders - it is no wonder this has happened. You have received some great advise - am I am sure this will work out! Bless your heart!!!! Laura*

Please come back and post that your insurance was not cancelled!!!!!! Poor thing, I'm so sorry, so much stress. I will pray for you some relief!

Shirlene,
I do not know how late you were in paying the health insurance, but, as is usually the case, premiums are paid in advance, meaning you have a thirty day grace period, before they can legally cancel insurance.

It is sad, but often when one is having catastrophic illness with enormous bills, some insurance companies are hoping the person will let it lapse to get out from under the liability.

If I do not make a list of everything I have to do, prioritize them, and check them off as they are done, I would be in a terrible situation. I learned that some may call it dementia, but I call it "too many issues pressing on my brain"! (Brain overload)! You just need a to-do list to stay afloat, when the stress builds. My prayers are with you each day for blessings of relief and a heart uplifted!
Angel

I think you have gotten the best advice. I can add my prayers for you and praise that this year is ending.

Shirlene, Hope today is better than yesterday, thinking of you always. Like Chris says take a deep breath and relax. Hugs Sally

Take a deep breath Shirlene and relax. I'd write to your doctor too as Asterix has suggested. With all that is on your mind I'm sure the Insurance Company will have some compassion and reinstate it without any penalties.

I am keeping you in my prayers daily. Love and blessings Chris

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My heart sank for you as I read you forgot to pay health insurance. Everything that has to get done is up to you now so you need to make a monthly planner or some other way to keep on track and yourself organized. I used to make a grocery list and leave it at home so now every time I think of something I put it in my cell phone since that is always with me. Hopefully you can work something out with the insurance company. We are still without health coverage and it is a awful feeling.

Oh, Shirlene - I feel so badly for you righ tnow. I know what you are having to go through and deal with, but like others have said - contact the insurance company and explain everything. Sometimes they will reinstate - things like that happen everywhere. Surely they will have some compassion. You take one day at a time - we are all here for you.

OH Shirlene, For someone that is under the pressure you are under it is perfectly understandable that your memory would suffer, this is the first thing to happen when you are stressed, you have not lost it, it will come back. I so wish I was nearer to you and able to help you. I agree that you should call the health insurance company and beg them to consider your circumstances. Please hang in there, and do whatever you can to take care of yourself. You are always close to my thoughts and in my prayers.
Hugs Alice

like asterixsew suggested , can your doctor help? by giving a written explanation why you forgot to pay the health insurence? I hope with all my heart everything will
go better soon for you!lots of hugs,love and prayers for you. and I do hope you are feeling better soon also. hang in there,dear!

Shirlene I am going to start by wishing you a brilliant New Year. One that will be far better than 2010

I think when one is overloaded (as you are at the moment) it is easy to forget and slip up with things that should be done. What ever you appear you have not lost your sense of humour

Would it help to write out comments made by Drs etc so you can refer to it later

I have a parcel sitting in my hall that has been there for about 6 months, the wedding had passed ages ago and I am still waiting for an address from either of my daughters. The parcel has some embroidered towels so they will not go off or anything like that.

Anyway thinking about you from a very, very cold UK

I had to smile when I read this since I can say "been there, done that"......I have a memory problem that I think is caused be a lot on my mind and poor eating habits.....I came in the house the other day to get the key to the riding lawn mower and saw the cats and talked to them, then I had to go outside and ask Larry what did I go in for.....I do find this frustrating at times so I know how you feel.....I just tell myself I will get better....I think with so much on your mind this is normal......so take a deep breath and just ask God to help you......Gods blessings to you and Rick.....Janet

Shirlene, hang in there girl. Dont give up.

This means that everything that the insurance that we thought we had - for the last four months - will not be paid and they will come to us - to pay for it and all the prescriptions, too. I hate me, today

2 comments

by kalinelson 29 Nov 2010

I would call the insurance company and explain the strain youv'e been under and ask if you could make up the payments....and of course ask God for favor before you make the call....it never hurts to try.....Gods blessings and favor....Janet

by asterixsew 29 Nov 2010

Nothing ventured nothing gained. Shirlene this sounds well worth trying, would a letter from the Dr help?