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The story of how insurance companies and corporate greed are slowly killing my mom...

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armyowalgreens Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 03:41 AM
Original message
The story of how insurance companies and corporate greed are slowly killing my mom...
Edited on Tue Jun-30-09 03:46 AM by armyowalgreens
My mom has suffered from illness and injury since she was diagnosed with rheumatoid arthritis at the age of 19. Now at the age of 45, she is very, very ill. For the 19 years that I have been alive, she has been treated for tumors, both malignant and benign, a very rare heart condition and finally the beginning stages of lung failure. Most of these problems can be traced back to her RA.

If it isn't enough that she has gone through regular stays in the hospital for almost 20 years, she has also had to endure constant financial hardship.

It began with my parents divorce 8 years ago. My father had incurred a massive amount of debt shortly before the separation. Since then, he has failed to pay off any substantial amount of the debt, leading to creditors constantly hassling my mom for money. They don't care that my parents are no long together because legally the debt is shared by both. It doesn't help that my father has also failed to pay over 30,000 dollars in child support while he has spent thousands upon thousands of dollars on refurbishing vintage cars and fine suits.

Now it would seem that my mom is very lucky to have private health insurance with such a poor state of health. And I guess that is true. Without it, she would most likely be dead. Unfortunately, co-pays and non-covered procedures/medication (experimental) have created another pile of substantial debt for my mom and step-dad. I do not know the exact total, but it is indeed very burdensome.

About 10 months ago, my mom was diagnosed with the beginning stages of lung failure. This prompted an early retirement from her job that she had been working at since my parents separation. Mind you, as a single mom, she worked 6 days a week from early morning until late evening. She also took care of her 3 children. I remember seeing the sorrow in her eyes as she barely managed to get by from day to day. My mom, with a shopping list of medical problems, drove herself damn near over the edge trying to keep the family alive. I believe those were some of the most miserable years of her life. At least until recently.

Of course her diagnoses forced her to retire because she is slowly dying. Every fucking day she gets weaker and weaker because her lungs are slowly losing the ability to swap the waste products in her blood for oxygen. But did the company that she had been loyal to for 7 long, miserable years give a damn? Absolutely not.

In order for her to be eligible for long term benefits (retirement pay and a few other benefits) she was forced to work an additional 4 fucking months following her diagnoses. She spent 4 months pushing herself so that she could keep money coming in for the family.

She just recently was able to fully retire from her company. But it never ends. My mom and step-dad were suppose to receive a substantial tax refund that they were going to use to pay off medical bills (not just her medical bills. I also suffer from a neurological disorder). Instead, the creditors seized it to pay off my fathers outstanding debt from before the divorce.

This only pushed closer the inevitable. My mom and step-dad were served by their credit card company a little over a week ago. And now, they have no choice but to file for bankruptcy. They are bringing my father to court for failing to pay child support but can barely afford attorney fees.


I remember last December I received a statement from the bank denying my request for a student loan on the basis that the cosigner, my mom, had bad credit. The same bad credit brought about by outstanding debt accrued by my father and other medical bills. The horrific irony is that I was applying for student loans because my parents cannot afford to help me with school. They have to much on their plate. I read the denial letter to my mom, who then broke down crying in my lap.

That's when she told me she was dying. She didn't want to leave this world without first making sure that her son had enough money to go to college.


I felt compelled to write this tonight because about an hour ago my mom came into my room and broke down crying again. My step-dad is off working 6 days a week to help bring in money. And she is left alone. Apparently she has spent the last several hours coughing up blood but refuses to go to the hospital. She came in to talk to me because she needs me to drive my brother to the store in the morning to get a new pair of pants. She thinks she'll be too weak to make it. And of course my step-dad will be sleeping off the 12 hour night shift he will have just finished.


I don't know how much time the banks and corporations have sucked from my moms life. I don't know how much healthier she would be today if she hadn't been subject to such barbarism by money-grubbing pigs. I can only imagine.


But what I am now left with is unmeasurable contempt and hatred for every last asshole that put my mom and family in this position. But I am also left with immense sadness because I know this story is not rare. It occurs all too often.

The United States government doesn't give a damn about my mom or any one else's mom. The politicians care about money. The corporations care about money. The insurance companies care about money.


Goldman Sachs contributed $1,037,395 to Obama's election campaign. A single company gave a cash handout to a politician worth probably 3 to 4 times as much as my parents debt. And I bet they didn't even put a dent in their profits.
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Skittles Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 03:45 AM
Response to Original message
1. my heart is breaking
this is beyond sad, it just seems....criminal and inhuman
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Bluzmann57 Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 03:53 AM
Response to Original message
2. You and (especially) your mom have my deepest sympathy
The dirty bastards who won't help her don't and never will. Good luck to you, your mom, your step dad, and all your siblings. The fucking insurance companies and banks don't give a rat's ass about you all, that's for sure. Your story makes me alternately sad and angry at the same time. You see, your mom is younger than me. And it stinks.
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armyowalgreens Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 04:14 AM
Response to Reply #2
3. Thank you Bluzmann57.
Edited on Tue Jun-30-09 04:15 AM by armyowalgreens
The black comedy behind this is I've been extremely depressed the last few days. Almost suicidal at some points. Tonight, when my mom walked in, that stopped. I felt overwhelmed, but the hopelessness turned to absolute rage.

At least I'm not suicidal anymore.
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eridani Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 04:37 AM
Response to Original message
4. Tell this to local newspapers, White House comment lines, and your representatives
These stories MUST be widely broadcast!
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Berry Cool Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 06:25 AM
Response to Original message
5. This breaks my heart.
I wish I could help.

What I can tell you is, you need to write the president a letter about this. You have a compelling true life story that illustrates as few do why we need health care NOW.
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Vinca Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 07:09 AM
Response to Original message
6. OMG - one of the saddest things I've read in a long time.
I wish I could do more than wish you well. Your poor mother . . . it isn't fair. It's hard for me to get my head around stories like yours vs. Michael Jackson blowing through hundreds of millions of dollars, being in debt hundreds of millions of dollars and still living like royalty. (Don't panic MJ fans . . . not a slam, just an observation.)
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AndyA Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 07:10 AM
Response to Original message
7. Bless your hearts. Your story is both sad and maddening.
And while people like you and your mother suffer, our politicians are busy protecting their corporate donors, making sure their profits won't be harmed when health care is provided to everyone. Meanwhile, people continue to die.

I think the health care companies have profited long enough off the American people. If they'd done a decent job, the cries for change wouldn't be so loud.

I hope things get better for both you and your mother soon. I'll send good thoughts your way.
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Lancer Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 07:19 AM
Response to Original message
8. I am heartbroken for your Mom and everyone else, including you
who has been caught up in this nightmare. (You wrote your story beautifully, by the way.)

It might be worth appoaching Scott Simon of NPR's Saturday Morning Edition with this. Several years ago he did a 2 minute story about a woman my mother knew who was getting nowhere with a particular problem -- massive red tape, loss of funding, etc. The number of responses she received and legitimate offers of help from private individuals, corporations and lawyers willing to work pro bono was STAGGERING. Scott Simon is gifted at telling a compelling story without ranting or sounding like he's passing the hat.

Good luck to you and my sincere best wishes for your Mom.
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JoDog Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 07:36 AM
Response to Original message
9. I am so sad for your family.
Your mom's situation is the main reason why so many people file for bankruptcy after a divorce. They do it in order to discharge debts incurred by the other spouse during the marriage. It isn't fair, but that's the way the law is set up.

Your mom and stepdad need to talk to bankruptcy attorneys as soon as possible. Due to your family's dire situation, they may qualify for a waiver of the bkr filing fee and legal aid to help them with the paperwork. They also need a consult on getting a garnishment your biological dad's wages for the back child support. It's possible you may be able to find an attorney willing to do this for a portion of the proceeds, or try legal aid again.

While none of that will save you mother's life, it may give her some peace if affairs are settled and her children and her husband will not have to struggle with it later.

Is there anyone else in your family who could cosign for your student loans? Are you trying to obtain federal or private loans? Have you discussed other funding options through the school? What about a nearby community college where you could take some classes cheap while caring for your mom?

Definitely start calling your congressmen, both national and state. Call every newspaper and TV affiliate in your area. Your mom's story is the kind I would have jumped on while I was working for a community newspaper.

Stay mad. Anger can keep you going through a tough fight, and you've got a harder one than anyone your age should ever have to face. Bless you and your family.
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Triana Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 07:38 AM
Response to Original message
10. Yours too?
My Mom's story isn't as bad as yours though they are killing her - and my dad - by refusing to pay for critical drugs they need and can't afford to pay for otherwise.

I H8 them. Murder for money. Who else does that? Assassins? So they're corporate assassins. They don't use guns. They kill people in much crueler ways - slowly.
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armyowalgreens Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 05:07 PM
Response to Reply #10
12. It truly is negligent homicide.
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mike3121 Donating Member (66 posts) Send PM | Profile | Ignore Tue Jun-30-09 10:59 AM
Response to Original message
11. I'm so sorry
I often wish I had one of those magical Harry Potter type wands and fix everything with one flick of the wrist. Alas, reality slaps you hard in the face every time. At least some people have offered you sound alternatives.

Corporate greed and Rush Limbaugh. He's very much in favor of companies "maximizing profit," or "the bottom line" that's his mantra. Some one should call, being all polite and such. Agree with him then say it's OK for a company to not offer health insurance to it's workers; the bottom line you know. It's OK to move manufacturing to China; the bottom line again. It's a great idea to terminate a long time employee just prior to receiving company retirement; the old bottom line thing. Being's he's so pro big greedy business he'd have to agree with you.
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G_j Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 05:20 PM
Response to Original message
13. K&R, I'm so very sorry
they don't care about moms, or their children if they don't have money. It is such a tragedy.
You're a good writer, I hope you write more about your experience.
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elehhhhna Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Jun-30-09 05:26 PM
Response to Original message
14. army, I'm so sorry. You are a good, loving son and she's lucky to have at least won
the baby lottery when you were born.

My advice? Bankruptcy! It's not just for Donald Trump anymore.
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G_j Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Jul-01-09 05:25 PM
Response to Original message
15. --
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kjackson227 Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Jul-01-09 05:32 PM
Response to Original message
16. I'm soo sorry to hear about your family. Have your parents tried applying...
for disability?
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Vidar Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Jul-01-09 05:42 PM
Response to Original message
17. My sympathies. They're killing many of us.
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McCamy Taylor Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Jul-01-09 06:04 PM
Response to Original message
18. This is so sad. You are right to be angry. Health problems are the number one cause of poverty in
this country. When people get sick, they are thrown on the waste heap by society--and their children and families are thrown out with them. And then, to top it all off, Congress had the nerve to make it impossible for people to get out from under their medical bills.
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JimWis Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Jul-01-09 06:23 PM
Response to Original message
19. So very sorry. Just a thought, and I wish I knew more about it,
but I was wondering if her illness would make her eligible for Medicare or Medicare disability. I lost my wife to cancer. When she got to a certain point, she was unable to work and went on Medicare - she was 58. They took care of everything at that point. We got no bills. But it might have been because she was considered terminal at some point. So - just a thought. Maybe something to look into.?? May good luck come your Mom's way for a change.
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