Ask the Chief: repurposed

I have a sign in our home office that says “I didn’t retire. I’m just under new management.”

Age wrinkles the body. Quitting wrinkles the soul

General Douglas MacArthur

“Retirement” once conjured up for me images of spending leisurely weeks on Hawaiian beaches, visiting foreign lands (this time with my spouse), or perhaps, spending time at a “vacation” home. However, the idea of having little else than “leisure” to occupy my time, just bothered me. I then wonder if others feel that being “unproductive”, that is “retired”, is shared by others? Changing careers frequently is a reality for many Millennials, Gen-X and now, Gen-Z workers. But a pandemic struck in early 2019 and “quarantine fatigue” is causing additional waves of infections and Governments to shut down commerce. The world has created a semi-retired class of people who do not have jobs to return or fill. Restaurants and many venues where large groups of customers formerly gathered have either folded or are barely surviving on government assistance. For those who “retired” in 2019, with few places in the world now COVID-free and open to visitors, there is little opportunity (or desire) to travel. However, with millions of people in need, experienced medical staff are welcome volunteers to man COVID testing and to administering vaccinations. For many others, the need is still present, but the delivery is changing. Teachers, small business coaches and consultants use web conferencing and social media to offer training. New opportunities in critical niche markets that are underserved are being filled by enterprising people. Elsewhere, retired military members become veteran advocates. Military-trained technicians start businesses to serve other businesses. I am certainly not unusual in starting a third career that interests me. I am not retired but instead “repurposed”.

Retirement is not in my vocabulary. They aren’t going to get rid of me that way.

Betty White

Long Term Care planning for active military, veterans, retirees and family

Turning sixty-two this year is not all that worrisome for me. Of course, in the middle of the second wave of the COVID pandemic, the potential long-term impact to ones health of contracting COVID at this stage of life is probable reason for concern. Though I had considered enrolling at a much younger age, with insurance premiums much lower the younger one enrolls, the invincibility of youth encouraged me to put it off. In the last quarter of 2020, I thought it prudent to begin the enrollment with a commercial insurer, accompanied by physical exam, several telephone interviews and waiting for term and premium calculations. The cost of commercial insurance seemed exorbitant, so my wife and I decided against it. Then I learned that LI (insurance) was available to retired military. Planning for a Veterans Administration facility as a fallback was my last consideration, should I subsequently require reevaluation of a presently non-compensable service-connected disability. After a military career, a professional career, and self-employed business owner today, we should plan for any potential health situations in our “golden years”.

Federal Long-Term Care Insurance Program (FLTCIP)

While most married service members have enrolled in federal benefits under TriCare, and include dental and vision program benefits when selected, Long Term Care insurance is not included in the annual Federal Benefits Open Season. However, FLTCIP is available to Federal workers, Postal Service employees, and military members. Eligibility for this program is linked to eligibility for Federal Employees Group Life Insurance (FEGLI). The link to the FEGLI handbook is here. The key point to note, is that eligibility for FEGLI does not require a person seeking FLTCIP to be enrolled in the FEGLI.

Open Season, physical exams, and Qualifying Life Events do not apply

For those who may be familiar with Tricare Open Season, which runs from November to early December of each year, FEGLI also has a banner regarding Open Season. The Office of Personnel Management, OPM, “Outside of an open season, eligible employees can enroll or increase their FEGLI coverage by taking a physical exam or with a Qualifying Life Event,” However, no such open season limitation exists to enroll in the Long Term Care insurance. Details as to eligibility are found here. To access more information, and to begin enrollment, the link is here.

Most of this information comes from a website, https://militarybenefits.info, opm.gov and the FLTCIP program webpage.

Is it time to head back to school?

This week’s Guest Post, is by blogger Kelli Brewer. Kelli is part of DeployCare, made up of veterans and their families which offers free support to service members and their families – she shares resources and solutions for issues commonly faced by military families before, during and after deployment. Please visit their website for additional articles on various topics of importance to veterans -Ed

Are you thinking about going back to school now that your time in service is done? If so, keep reading. Popeye To Admiral wants veterans and their families to have access to the best educational resources available. With this in mind, here are a few quick tips for vets set on earning a degree after their time in service.

Choose Wisely

When it’s time to go back to school, your first obligation is to choose an academic or vocational program. Be cautious here, however, because not all schools are G.I. Bill-approved. Furthermore, many schools suffer from accreditation complications, tarnished reputations, and few working graduates.

Aside from school, you’ll also want to take your time when making a decision on your major. There are many fields that make sense for veterans, including management and law enforcement. Another highly sought-after degree is information technology. Any of these — and many more — can be earned all or partially online. This is more important than ever in the pandemic society in which we live.

Start Small

Even if you are eligible for veteran funds, it might make sense to consider a community college for your first two years. Crucially, if you plan to use your G.I. Bill benefits for your children, many states now pay for an associate degree — meaning the funds may be used toward a graduate degree. U.S. News & World Report asserts that money is just one reason to consider a community college over a university when just starting out.

If you are not yet sure what you would like to do, you can also start off earning a certification. Taking a career aptitude test geared toward veterans can help you decide what type of job you would like in the civilian world. There are many options ranging from entry-level medical to business management.

Trade School Is An Option

Finally, keep in mind that you do not have to go to college to complete your education. You may also consider trade school to earn your HVAC or electrical license or ASE mechanic certification. Blue-collar jobs often pay as well as white-collar jobs, and some of them are even more lucrative.

For more information about going back to school, contact your institute of choice’s admissions counselor. Good luck in your endeavors, and thank you for your service.

Popeye To Admiral offers quips and quick bites of wisdom for veterans and their families. Visit the blog often for your daily dose of delectable posts and veteran resources. Let us know more of what sort of resources you might want to see. You can also find us on Facebook here, .

One Sailor’s view of American democracy

It might just be an inaccurate recollection on my part, but I recall someone saying life aboard a warship, (or by extension, life in any military branch, means the rights and freedoms- the democracy we defend for civilian Americans, is not really what we experience ourselves in uniform. A military system runs on rules and obedience to the “Chain of Command”. Committees, convoluted language in instructions, back-room deals, and courting favor of those lead seem ludicrous to a military mindset. Yet this is what precisely motivated sufficient numbers of Americans to elect an outsider, without experience and without an emotional or ‘decorum” filter, to the Presidency. To half the country this was a threat to our democracy that had to be opposed by any means. To the other half of the country, his election was in response to the callous indifference, inattention, and elitist behavior of legislators, courts, and supporting institutions to “working Americans”. For years each side has warned that the other is destroying the constitutional democracy that was established by our Founders in 1787.

What does “democracy” mean to any of us? Or “Constitutional republic”? Why do these terms stir up such passions between election winners and losers and each’s supporters in the United States? It may depend on your culture, knowledge of history, experience, education and political ideology. An article on democracy written eight years ago and an opinion piece in the New York Times, published in 2019, illustrate how American democracy might be characterized.

The Principles of American Democracy

Author Joel Hirsh, writing in The Huffington Post (April 2, 2012) reminds politicians and laypersons that understanding American democracy requires context. Asking the average person on the street what they understand ‘democracy’ to mean and you might get any number of misunderstood concepts. He writes that Abraham Lincoln described democracy as having no slaves nor masters. Mahatma Gandhi believed democracy could not be imposed but required an individual’s guiding principles to change government positively. Aristotle thought that equality for all came by everyone governed to be actively involved in governance.

The best argument against democracy is a five-minute conversation with the average voter.

Winston Churchill

The idea of representative government was to promote consensus among differing majorities in all the States and eliminate factions who might control Government to their benefit. As for the President, what the Founders envisioned in the Electoral College, the writer continues, was a system to obtain a competent and popular Executive that all the States could work with. Hirsh notes that America and democracy seem woven into our American identity. However, in the last half-century, what was once understood by every schoolchild devolved to slogans and bumper stickers. Today, we can add Twitter rants, Facebook memes, and street protests whose participants cannot attach context to nor define democracy. However, the entrenchment of career politicians, bureaucrats, and partisan media (social media and conglomerates) increase disenfranchised citizens. In the Huffington Post, Hirsh described five elements of democratic governance.

The first element is the mechanism of representative democracy. Hirsh goes on to describe how the term “direct democracy” came into being, where segments of a society unhappy with their elected leaders, “mob rule” he called it. These countries, like Venezuela, Ecuador, and Russia are run by strongmen who have “opportunities” for their citizens to participate in governance, but in practice tends to be only the well-connected and well-funded individuals and organizations that have access. However, he also applies this to groups and caucuses in the US, illustrating how some conservative groups exert more influence in certain areas and policies than others. But the progressive groups have exerted a great deal of controversial influence during their control of the Congress and the Executive, and in opposition, during the term of President Trump.

A second element to aid the citizens’ representative government, is a professional, non-partisan civil service that provide these services to the people. Hirsh states “Governments in unstable democracies all too often confuse and blur the lines dividing party, administration and state. This is bad for democracy. Activist governments attempting to socially engineer their citizenry using their civil service as partisan soldiers for their political project have been a serious cause of recent misery.” Depending on one’s political ideology, this might be applied to either Party. In recent memory, Americans have witnessed groups supporting tax reform described as hate groups, groups supporting legal immigration as racists, and social engineering particularly in gender and identity. Regardless of one’s opinion, the use of partisan bureaucrats, and the extraordinary focus of the House of Representatives to investigate a President, which revealed nothing substantive, after several years is a textbook illustration of Hirsh’s critique.

In a 2019 opinion piece published in the New York Times, Jamelle Bouie wrote about democracy envisioned by the Founders as flawed. The writer of the NYT opinion, states that the Founders feared popular rule, using the Greek interpretation of “democracy”, a classical Athenian model where a small minority of citizens govern, in person. This lead to the Founders to incorporate representation where the interests of all the citizens would devolve to a representative. In practice, representatives often represent the views of the more well-funded and connected constituents and business interests than the majority. This is often illustrated by career politicians, who still win reelection after 20, 30, or 40 years in government through well-funded campaigns.

Hirsh continued with the third element of American democracy: the principal of separation of powers. In the United States this means three separate but equal branches of government, each with a clear role and with an equal claim to legitimacy. The Congress makes the laws, the Supreme Court interprets them (with an eye on the Constitution), and the president implements them. But his criticism of a President exceeding his authority – issuing Executive Orders and statements, conflicts with history, in that every President since Washington has issued them. That the Congress funds the operation of government and legislates is often at odds when the Legislators manipulate legislation to include unrelated, pet projects, or refuse to deliberate on them- to thwart their political rivals. As for the Judiciary to decide whether legislation is in keeping with the Constitution, “bench activism” has replaced constitutionality in decisions.

Democracy gives every man the right to be his own oppressor.

James Russell Lowell, poet d. 1891

The fourth is the principal of limited government. This is something which, in 2020, neither political party representatives in Government pay lip service. This is at the center of much political tension in the United States. The author candidly states that the Government spends sums of money overseas to help foreign governments become more decentralized while in the USA, we become more bureaucratic and centralized. He pointed out that increasing federalization goes against the 10th Amendment of the Constitution, which says the States have responsibility for activity not expressly granted to the Federal Government (foreign policy, trade, war powers) .

The key to achieving a democracy that meets these elements successfully is a democracy built around a bill of rights, for every citizen that protects them from an overreaching government. Hirsh is correct in that he writes the American democracy has a foundation on a unwavering civil and political rights – “inalienable rights” — such as life, liberty, property, speech, assembly, religion, due process, and others. Other “rights”, such as the economic, social and cultural values, are all negotiations between free citizens as to what extent the Government provides them. He goes on to say, all inalienable rights compel duties from the federal government; and the duties these rights would compel directly interfere with the free market system as well as the bill of rights (such as the 10th amendment).

Dictatorship naturally arises out of democracy, and the most aggravated form of tyranny and slavery out of the most extreme liberty.

Plato

The American democracy, has to resist the demands of those who continue to press for change, for loose interpretation and re-interpretation of an “outdated” Constitution. The institutional changes brought about by today’s social engineering may upset a system that has function albeit with mistakes and failures for two centuries. In contrast, other countries have weakened, become unstable, or worse, succumb to despotic rule. The necessity instead is for all Americans to be better educated about local, state and national issues, economics, foreign policy, trade and the mechanics of government. When citizens fail to become even moderately involved in their own government, we get the representation we have permitted. To blame democracy, the Constitution, capitalism, or social injustice only serves to enable a strongman to step in – and disenfranchise opponents.

Education is a human right with immense power to transform. On its foundation rest the cornerstones of freedom, democracy and sustainable human development.

Kofi Anan, statesman (fmr UN Gen Secretary)

no Minion is an island

A four-hundred year old English poet understood how badly human beings need connection in their lives. I have been thinking of the movie “Castaway” (Tom Hanks), a scene in “Iron Man”, and a phrase John Donne penned centuries ago. As 2020 comes to an end, looking backward over the last twenty-something years, the world has had a difficult time finding things to be joyful. I do think mankind, in general, mean well of their fellow human beings. We were formed to be social creatures to associate and cooperate together. However, two thousand years after Jesus walked, and five thousand years since Mankind’s first civilizations started conquering neighbors, our social invention, Government, is forcing individuals back to isolation and competition.

No man is an island entire of itself, Every man is a piece of the continent, A part of the main.

Devotions Upon Emergent Occasions and Seuerall Steps in my Sicknes – Meditation XVII, 1624

Our little community in unincorporated El Cajon, California, like many communities across the world, has rallied to brightly decorate their neighborhoods in the holiday season. In the United States, preparations for Christmas begin right after the November Thanksgiving holiday. This year has been exceedingly draconian for everyone worldwide particularly children. As such, my wife encouraged us to start decorating early, putting up lights and inflatable yard decorations, and she decorated inside. Since then, as people drive through the holiday-decorated neighborhoods, or walk “socially distant”, I hope they get some extra cheer from one walking Minion, my spouse, chattering “Merry Christmas” and “Banana!”

If the squeals of delight from kids and adults, and their picture-taking are any indication, Mankind will survive and eventually, thrive again. Tune out Government and the media for a little while. Look at the stars. Think of others more than oneself. Share responsibly. Practice hospitality however that may be this year. Visit a neighborhood lit up for Christmas. And perhaps, take a picture with a dancing Minion.

John Donne’s poem continues:

 If a clod be washed away by the sea,
Europe is the less,
As well as if a promontory were,
As well as any manor of thy friend's,
Or of thine own were.
Any man's death diminishes me,
Because I am involved in mankind.
And therefore never send to know for whom the bell tolls;
It tolls for thee.

Reading comprehension is fun-damental

What someone today learns via social media, or online classes, or self-study, education and skill development is a matter of information availability, personal ambition and ability. When addressing the topic of education reform, much of the discussion today is relegated to complaints of political- or culturally-biased ideology. These do not address skill- or knowledge- attainment. Funding increases to education do not address it.

Traditional education is based on facts and figures and passing tests – not on a comprehension of the material and its application to your life.

Will Smith, actor

Education has changed, and not necessarily for the better in the “age of COVID”. Video learning is not going to replace live training, lab-activities and personal-interaction. However, this is what everyone today has to work with, so reading comprehension for many is going to take additional resources and time. The highly-motivated, once given the tools in reading, writing, and logical thinking, will be enabled to pass the state exams. Gaining employment has always been for the best qualified or most -teachable candidate. While actor Will Smith is correct, in what you do with your training being important, the first step in a healthcare career comes with passing the certification tests.

JamesESL English Lessons (engVid)

In my experience as a state examiner, all immigrant candidates where English is not their native language, should have been offered a test and subsequently as needed, a program tailored to reading comprehension in their intended profession. My experience, in healthcare licensure, California examinations are required to be performed in English. These are state and federal mandates. While most of the licensure candidates do pass the skills demonstration examinations, many fail the written exam and sometimes, they fail subsequent retests.

In the field of healthcare with which I am familiar, there are two avenues for education, one through public institutions and the other, through private, for-profit businesses. Public institutions have rigorous training over a few months to a semester in length. Some are specifically tailored to communities with low-income or immigrant constituents. However, as public institutions incur long wait-listed candidates, private schools offer shorter format courses but often are a significant tuition. While not an indictment of the for-profit system in general, some schools graduate candidates for whom English is a second language, and do not possess sufficient English spoken – or reading comprehension to pass the examinations. For those considering a healthcare occupation, and have access to the Internet, there are numerous courses to practice reading comprehension. One suggestion is linked above, but there are many such available through YouTube.

R.O.A.D. “scholar”

The supreme quality for leadership is unquestionably integrity. Without it, no real success is possible, no matter whether it is on a section gang, a football field, in an army, or in an office.

Dwight D. Eisenhower

During my career in the Navy, “Retired On Active Duty” was a derogatory label for someone whose ambition was to do the least amount of real work possible. While applicable to junior personnel, it primarily was a pejorative for those holding some seniority in rank, but were unmotivated, in terms of their duties or responsibilities. Generally, lacking in ethics or integrity to perform their jobs well, these “ROAD scholars” would perform the bare minimum, so to avoid scrutiny from their superiors. In my experience, I have known a couple that kept that charade for years – impeding others trying to earn promotion. Promotion was based not only on one’s job performance but also if there were sufficient slots in a particular career field open. Fo those ROAD warriors in senior positions, their refusal to retire or promote would cause some very worthy professionals to stagnate – be career-limited and mandatorily retired.

Have you encountered someone who is filling a position, that they no longer – if they ever did – are performing the duties and responsibilities of that position? If we are talking politics, that critique probably fits most of the representatives and senators (State and Congressional) who have been in office more than 12 to 16 years. But have you encountered, in civil service or in education, a person whose seniority seems to get them a pass when it comes to performing the job?

Is integrity a victim of the times?

Today, the American spirit of “can-do”, ingenuity, teamwork and integrity is stressed to near-breaking. With the pandemic with us likely for another year or two, the old way of doing everything is changing.

Real integrity is doing the right thing, knowing that nobody’s going to know whether you did it or not.

Oprah Winfrey

Social, political, and economic change we are living through (suffering) in the 21st Century affects everyone. It began long before we were mandated to remain at least six feet apart, and limit large gatherings. Technology has made it no longer necessary to have in- person, work or customer relationships. When both the service- provider and the served remain insulated from one-another by web ordering,  email,  text messaging, or video- conferencing, the human connection, which may be between a doctor and a patient, teacher and student, account administrator and vendor, or state official and a constituent, is absent.  

This is easily illustrated with a few scenarios. A fairly new patient of a doctor makes an appointment with the physician. In the interim, the doctor moves his private practice to a larger corporate entity. And then the COVID quarantine terminates all in-person office access for the foreseeable future. Efforts to obtain service are prevented by an inaccessible web portal, and using a telephone system to request assistance with the portal, demands up to thirty minutes or more to remain on-hold. The clinic’s email server notifies the client of important information, but cannot be read using the portal, similarly frustrated by a lack of a user passcode.

A government agency responsible for the healthcare of millions of military veterans and their families comes under scrutiny for very public and shocking displays of veterans committing suicide in hospital lobbies, delays in receiving evaluation for what veterans believe service-connected disabilities, and media reports of ill veterans dying while on waiting lists for treatment – while the facilities receive bonuses and accolades for service efficiency. Media and Congressional investigations reveal that managers were complicit in altering records and rescheduling patients. Leadership changed. Procedural changes were promised. Some workers were censured. Legislation was voted upon. Time will tell if the agency culture has focused on integrity.

A state agency that oversees licensing of healthcare workers contracts with vendors to manage the process of coordinating examinees seeking licensing exams. The same agency approves the schools offering the training, the sites where these exams may be performed, and verify each candidate has met the requirements to be licensed. The vendor is responsible for collecting the test fees, order and disseminate the exam materials, and send the test results to the state agency. while the contracted evaluators establish relationships with the training schools, coordinate test schedules with the vendor and the client schools, and perform the certification exams. The evaluators submit invoices for payment to the vendor. Since the licensing examinations are only a minor contribution to each vendors’ core business, but require substantial manual work, the vendor’s commitment to an efficient operation is of key importance. With antiquated systems, a remote workforce, an already burdened office staff and aloof management, the unresponsiveness of the organization is now a factor to consider for any future business.

The foundation stones for a balanced success are honesty, character, integrity, faith, love and loyalty.

Zig Ziglar

Operations that, under normal conditions may be hindered by bureaucracy, are only worsened by a remote workforce, COVID safety precautions, antiquated processes, and office politics. This is exactly where professional integrity should be the most important feature of any servicer -customer relationship. When the customer (other departments, clients, or outside agents) seeks status on an invoice, or a functional responsibility of that servicer, the expectation is to have an answer as to when payment should be expected. In some organizations, answers and follow-up can be difficult to obtain. People may respond emotionally, who have neglected or erred in their duties. They may respond by shifting blame instead of seeking remedies. It is a successful work environment where obtaining results or remedies and not fixing blame, exist.

When this tendency to assign blame is a characteristic of the organization, it is a leadership issue If the leader does not set the tone, as Zig Ziglar states. ” (t)he foundation stones for a balanced success are honesty, character, integrity, faith, love and loyalty.” the organization suffers. In the present economy, there are always alternatives to an inefficient or poor business model. In the private sector, new enterprises or new joint-ventures can offer more efficient processing. In the public sector, political appointments do change oversight, and vendor funding, and state charters can be revoked.

Integrity matters.

identity crisis

Relationships inform you and me whether others perceive us as whom we consider ourselves to be.

While this may be a great starting point for a philosopher or intellectual following Goethe, Erikson, or Jung, in a modern society, your identity is whom you can prove yourself to be. Bureaucracy has replaced oral recitation of your birthright ( e.g., descent of your family or tribe from Moses, Seneca, or Charlemagne). If you don’t have a driver’s license, a passport, a social security card, or another government- produced identity card, how do you prove who you are?

It is always the same: once you are liberated, you are forced to ask who you are.

Jean Baudrillard, 1929-2007, French intellectual (best-quotations com)

It might be unnecessary for the Queen of Great Britain to carry identity papers (there, everything official is issued in her name) but in most every country, everyday life, that is, in one’s financial and legal relations, use identity as a basis for meaningful exchange.

Most who have suffered identity theft, where unknowingly, someone has enjoyed your savings or credit to buy yachts or Teslas, or found themselves wanted in Pennsylvania for fraud ( though you have never left Nevada) are painfully aware that your identity is you.

One must be something in order to do something

Wolfgang Goethe, via best-quotations.com

As someone now engaged in an occupation that is thoroughly entrenched in institutional bureaucracy, valid identification of my prospective clients requires official documents. In a world now telling people they “are” whom they believe themselves to be, in terms of “identity”, these same folks in bureaucratic circles tell us we are whom our documents dictate.

politics and Pine Sol

See the source image

The slightest whiff of pine oil cleanser is enough to bring the Navy instantly back to life for me. One of my earliest memories of military service was as a Recruit, the culture-shock of boot camp where civilians were turned into military – Sailors, in my case. We were daily required to clean our barracks top to bottom. Our performance in that task indicated how the remainder of that day, or subsequent days, would go. Most memorable, is that the “head”, what other services call the “latrine”(restroom to civilians), was scrubbed even more intensely. Not a speck of dust, nor urine stain, pubic hair, razor stubble or soap scum escaped notice during inspection. After two decades using Pine Sol as disinfectant and deodorizer aboard a military installation, that smell is indelibly stamped in my brain. Clean. It is still a pleasing aroma.

Politics have no relation to morals

Niccolo Machiavelli 

If politics had an aroma, the stench would be offensive to any military-trained nostril. And despite the eloquence of some Twentieth Century statesmen and pols – Winston Churchill and Ronald Reagan come to mind – politics now entering the third decade of the Twenty-First Century, is nothing short of gag-inducing rotten garbage. I do not join either side in the American spectacle that is President Trump and his camp, or the Democrat-socialist- progressives and theirs. Politics needs a complete “field day”. And so does the would-be electorate.

I think all the garbage in the world is thanks to a very small handful of idiots.

Jeff Dunham, comedian, ventriloquist

As a military veteran, I think, as many do, we need to get rid of all the career politicians and their allies. Twenty, thirty or forty years of politicians complaining the other side is not fixing < insert the problem here> as the reason why they need to be elected or re-elected. Or incessantly being in opposition to the other camp, without having well-thought out solutions to real short-comings. The whole of education, arts, social media, and governance, in America and elsewhere has elevated minority opinion and practice while condemning the society, history and individuals who as a unified country, created medicines, landed people on the Moon, and put cellphone computers in every hand in the world.

We need a deep cleansing. Perhaps we put the military veteran in charge of all institutions, bring back idealism, respect for law and order, freedom OF religion, and family values. Put everyone in the country through a unifying experience of military service. Get into the dark and dank corners. And use lots of Pine Sol. We desperately need a top-to- bottom renewal. We need to take out the garbage. We need “field day”.

Insurance, like Vegas, is not built on winners

It’s better to burn brightly for half as long than to be a dim lingering light

Roland Gift (b.1961, actor, singer (Fine Young Cannibals)

What started me thinking about insurance this week was my decision recently to obtain life insurance that also furnished Longterm-Care support, for both my spouse and myself. The result of my late father having a stroke thirty years ago, was his last twenty-two months spent in a nursing facility, receiving twenty-four hour care. Every dime he had earned and invested, was liquidated to provide for him – before the State would furnish any support. He died with nothing except trinkets and papers. With friends and family experiencing unexpected conditions that burden them in retirement, maintaining excellent mental and physical health until the heart ceases to beat, is not necessarily assured. Rather than rely on children to furnish support in our “golden years”, I thought again about insurance.

I used to complain about the cost of being a grown-up in Western society. Working hard so that one earned sufficiently enough to pay a third or more in government taxes, a third in rent or mortgage, and half of the remaining in property and health insurance coverage. And if you had some surplus, it could be used to have some “quality of life” pursuits. If you have been an adult for any length of time, you know all this. During one’s working life, if you had a decent healthcare plan half-subsidized by your employer, dental and medical care might sufficiently cover general illnesses and fairly common hospital procedures. For the last decade or more, Government meddling in healthcare, has driven up the costs of procedures and prescription drugs, while also making routine visits, and other “maintenance” really difficult. Government officials with “golden” health coverage -and millions of dollars in personal wealth -look to tax people with health coverage that is “too generous”. The worst about healthcare insurance today? Should someone have a diagnosis of cancer, cardiovascular disease, or some chronic condition, care becomes that much more difficult to qualify for coverage. Not to mention necessitating others to furnish ongoing costs out-of-pocket.

The current debacle over COVID-19 where some families have lost loved ones, and many more have suffered life-altering physical and mental affects, will greatly impact healthcare imperatives in Government. Where now debate continues over what constitutes personal rights in healthcare, from gender-issues, preexisting conditions, and lifestyle-influenced chronic conditions, to blanket coverage for everyone – whether a taxpaying citizen, state-subsidized citizen or non-citizen, it is only getting more shrill. And I am hedging my bets. But in insurance, like in Vegas – those big palaces are not built because the insured “winners”-take-all.