Getting majorly stressed over the failed UAW bridge loan!

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Red_34
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Date Joined Apr 2004
Total Posts : 23551
   Posted 12/12/2008 8:26 AM (GMT -6)   
My husband works for Ford Motor Company and I am sitting here about to hyperventilate due to the failed bridge loan.  I keep thinking about the future if the UAW doesn't get that loan and how it is going to affect not only my family but my health as well.  If they have to go bankrupt how in the world are we going to survive and how in the world am I going to pay for my medications!  I remember what it was like when we didn't have insurance many years ago and I don't want to go there again.  shakehead   Michigan has the second highest unemployment rate in the USA so if the companies have to bankrupt, my husband is going to have a tough time getting another job because we are going to have the first highest unemployment rate.  He's a painter so he may be able to get a job painting but where does that leave us insurance wise???  Agh! Ok, I'm stressing myself out again and top that off with the xmas season and............well you get the picture!  Anyway, just had to vent.  shakehead shakehead shakehead
 
 
**Please do not turn my post into a political debate**
 @--->--SHERRY--<---@
Moderator for Allergies/Asthma and Co-moderator for UC
~Left sided Uc-'92-Colazal(9 daily),6mp(50-100mgs),Bentyl, Prilosec,Biotin,Forvia,Pro-Bio**Unable to tolerate Asacol, Rowasa or Canasa**~Year-round allergies-Singulair, Zyrtec~Secondary Reynauds Syndrome-'04-Norvasc~Sacroiliitis-epidural injections~bulging and herniated discs C5/C6 & C6/C7~3 epidural injections-worked great!, OA in my fingers 
To help Healingwell - click here: DONATE
 
 
 
 

 
 


suebear
Veteran Member


Date Joined Feb 2006
Total Posts : 5698
   Posted 12/12/2008 9:16 AM (GMT -6)   
If your husband is a painter he might try looking for work with a city, county, or school. These employers generally have group insurance which means no denying pre-existing conditions. Although I am sure you don't want to relocate, I also recommend checking out states that are not in as bad of shape as Michigan.

Sue
dx proctitis in 1987
dx UC in 1991, was stable until 1998

1998 started prednisone, asacol, pentasa, nortriptylene, ativan, 6MP, rowasa enemas and suppositories, hydrocortisone enemas, tried the SCD diet, being a vegetarian, omega 3s, flax, pranic healing, yoga, acupuncture, probiotics

2000 lost all my B-12 stores and became anemic

2001 opted for j-pouch surgery- now living life med-free


Lonie
Veteran Member


Date Joined Feb 2005
Total Posts : 6448
   Posted 12/12/2008 9:34 AM (GMT -6)   
I know Sherry; it's bad news. My boyfriend was "furloughed" the week we moved back into his newly remodeled house two months ago. The economy is so bad here in California, even the old stand by for employment...the state.....is laying people off because of such a deficit. The bummer is my boyfriend is 55 years old and having a tough time being up against much younger people. I, on the other hand, work for aerospace and who knows where we'll be in the next few months as we are hearing rumors of being acquired by another company. So we decided to just have a nice season and ***meditate*** all the way through! :-) I figure I have no control over what is going to happen but I do have control over my emotions -- something hard to remember, but it helps. I'm sorry you are dealing with this but know that you are not alone. Let's have one big "ooohhhhhmmmmmm" and now take a deep breath. Okay, feeling better. Take care my friend...know I'm thinking about you.

Carol

Remicade - will have my 25th infusion on November 26 
Vitamin B-12/Biotin, Probiotics
 
Co-Moderator for the UC Forum
 
 


WhiteSox1
Regular Member


Date Joined Oct 2007
Total Posts : 135
   Posted 12/12/2008 11:02 AM (GMT -6)   
Sorry to hear that, Red.  My father was a forklifter driver for the local Ford plant for the past 37 years so this whole bailout thing is close to my heart.  I remember lots of times when he was laid off and we had nothing to eat but tomato soup so I kind of understand what you are going through.  But know this, in the end, things always bounce back.  They always do.
Pancolitis - Diagnosed on 9/6/07
Asacol 4 pills 3x's daily
Imuran 150mg.
Canasa
Multi-Vitamins
Calcium with Vit. D Tablets


quincy
Elite Member


Date Joined May 2003
Total Posts : 31006
   Posted 12/12/2008 11:34 AM (GMT -6)   
Sherry....I'm sad to hear of your situation and the fear as you describe it is real.

Is he an autobody painter?

I hope this doesn't turn out as bad as you fear.

quincyxx
*Heather* Status..Asacol 6 (3 twice daily); enemas every 5th night
~diagnosed January 1989 UC (proctosigmoiditis)
~Bentylol (dicyclomine) 20mg as needed
~vitamins/minerals/supplements 
~Probiotics....(Natural Factors Protec, Primadophilus Reuteri Pearls, Natural Factors Ultimate)....1 each  @ bedtime
~various digestive enzymes as needed
~Ranitidine (reflux);  Effexor XR 75mg(depression);  Pulmicort/Airomir (asthma)
~URSO for PSC (or PBC) 500mg X 2 daily (LFTs back to NORMAL!!)
My doc's logic.. "TREAT (FROM)BOTH ENDS"  worth it !!!
 


Old Hat
Veteran Member


Date Joined Feb 2007
Total Posts : 5191
   Posted 12/12/2008 1:02 PM (GMT -6)   
For sure it's a scary situation, especially for people facing the loss of health insurance when they desperately need it. I'm worried about getting close to retirement & not being able to afford my med. In September I went on generic Colazal (Balsalazide by Watson) due to my insurance requirements, but I need to switch back to the original because the generic allows D to plague me again. Last week I talked it over with my gastro, who commented that many other patients are complaining about problems with the generic. I suspect that the pharma purposely left out one of the main ingredients because Watson has some connection with Salix, which is likely trying to protect their original compound from competition. Somehow we have to keep our sanity through all these upheavals in the marketplace! I hope that the auto industry finds some solutions early next year, if not sooner. Just to cheer you, my local bank got taken over by a biggie & when I called the usual 800 number to inquire about a checking account procedure, I got connected to a woman in the Phillippines! / Old Hat (nearly 30 yrs with left-sided UC ... [etc.])

Lonie
Veteran Member


Date Joined Feb 2005
Total Posts : 6448
   Posted 12/12/2008 1:23 PM (GMT -6)   
It's definitely the health insurance that we are worried about too. My boyfriend takes many different meds, and I of course take the Remi. When he was first laid off we started panicking, so I know Sherry how it is. If he loses his health insurance, we will have to find a way to get him on my insurance for the time being.

Carol

Remicade - will have my 25th infusion on November 26 
Vitamin B-12/Biotin, Probiotics
 
Co-Moderator for the UC Forum
 
 


Red_34
Elite Member


Date Joined Apr 2004
Total Posts : 23551
   Posted 12/12/2008 1:38 PM (GMT -6)   
Thanks for the words of comfort. Yes I know we will bounce back but the what ifs are bouncing around in my head like mad. I am hoping the Bush will step in and help the UAW because something drastic needs to be done or GM has only enough money to last this month according to the news. Ford is in a little better shape then GM and Chrysler but not by much.

Q, no my hubby is a construction painter and is considered to be in the maintenance department. He is usually in high demand even outside of work so I don't think I have to worry about finding money but it's the insurance that has me worried. There would be no way that we could afford private insurance on our own with a family of 4. I am not the only one on much needed medications - so is my son for his asthma and ADD and of course those meds are expensive as well.

Well I just got back from xmas shopping with Gma and it has put me in a better place of mind. So it helped to just get out of the house.
 @--->--SHERRY--<---@
Moderator for Allergies/Asthma and Co-moderator for UC
~Left sided Uc-'92-Colazal(9 daily),6mp(50-100mgs),Bentyl, Prilosec,Biotin,Forvia,Pro-Bio**Unable to tolerate Asacol, Rowasa or Canasa**~Year-round allergies-Singulair, Zyrtec~Secondary Reynauds Syndrome-'04-Norvasc~Sacroiliitis-epidural injections~bulging and herniated discs C5/C6 & C6/C7~3 epidural injections-worked great!, OA in my fingers 
To help Healingwell - click here: DONATE
 
 
 
 

 
 


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 12/13/2008 12:52 AM (GMT -6)   
Hey Red -

My dad worked for a major US Corp. that ended up going out of business. It was a lot less public and their product name is still used but lots of people lost their jobs. But here is the good news for you - it didn't happen over night. It took a LOT of time. First they filed for Chapter 11 (I think thats the one but I could be wrong) bankruptcy protection. That went through the courts for a couple years. Some people were laid off but a great deal kept their jobs. Those that were laid off got severances that included health insurance. When that ran out they could cobra. Eventually the company was bought by someone else that tried to keep it going for awhile. Few more lay offs but not tons and a couple more years in business. Then lots of people took golden handshakes/early retirement and it is now finally caput.

What I am trying to tell you is that as scary as it is you have some time. And in this time you can be preparing your resumes and looking for new jobs. (Do you work? Not judging, just curious.) Now here is one bad thing you need to be aware of. If it is declared officially bankrupt (which again, takes years) and the company ceases to exist, you lose the ability to pay for COBRA. That is because there is no longer a "group" for you to belong to.

Now if he is in fact laid off your children should be able to get health insurance through state if their parent is on unemployment. Also check with the school department.

During this time try to pigeon hole some money so you could afford Cobra for a few months if need be. Also try to get your meds mail order so you can have a three month supply on hand. Do that for all family members.

There are a bunch of companies that offer health insurance to part time employees including Petco, Home Depot, Fed Ex, UPS, and Starbucks. Worst case scenario maybe your hubby could split his time painting and working at Fed Ex or Home Depot. I have a friend that works 3 pm - 7pm and Fed Ex and gets GREAT benefits. He works his "regular" job as a contractor/carpenter 7-3ish.

I hope you don't end up in this situation but I just wanted to give you some idea.

One more thing - I think the money problem for the car industry is less about the lack of people buying cars and more about the credit crisis. I doubt American cars as a whole are going to disapeer. They may have to do some lay offs until the credit situation upswings but hopefully they will take him back after. In the mean time hopefully he could find a fairly easy to get job w/ benefits.

Again - not a political argument but just one more point - hopefully shortly after January 20th there will be an affordable private group plan for those that don't have insurance through their employer.
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.


Red_34
Elite Member


Date Joined Apr 2004
Total Posts : 23551
   Posted 12/13/2008 7:13 AM (GMT -6)   
Fitzy, no I don't work because everytime I try to work, my body goes haywire and I either flare from my Uc or end up on the couch in pain from my back. If I HAD to work, then I would make that sacrafice. And thank you so much for your detailed response. That makes me feel a ton better.

Kasper, LOL We have 100% of our Tesphe in Ford stock so I will second that YAY!


 @--->--SHERRY--<---@
Moderator for Allergies/Asthma and Co-moderator for UC
~Left sided Uc-'92-Colazal(9 daily),6mp(50-100mgs),Bentyl, Prilosec,Biotin,Forvia,Pro-Bio**Unable to tolerate Asacol, Rowasa or Canasa**~Year-round allergies-Singulair, Zyrtec~Secondary Reynauds Syndrome-'04-Norvasc~Sacroiliitis-epidural injections~bulging and herniated discs C5/C6 & C6/C7~3 epidural injections-worked great!, OA in my fingers 
To help Healingwell - click here: DONATE
 
 
 
 

 
 


glamourgirl
Regular Member


Date Joined Apr 2008
Total Posts : 460
   Posted 12/13/2008 11:18 AM (GMT -6)   
I know that the thought of getting your own health insurance is scary. My DH lost his job at this time last year. It turns out we were able to find a pretty affordable BC/BS plan for our family of 3 for $440 a month. It's not as bad as I thought it would be.
Female, Age 37
 
Diagnosed w/c.diff 7/02 when pregnant w/1st and only child during 2nd trimester(wasn't on antibiotics)
C.diff flare within weeks of delivering baby 1/03
Diagnosed with UC 2/03
_____________________________________________________________
Current Meds:
75mg 6-MP
Entocort
Cortenema as needed
Ferrex Forte
Acidophillus
Sacchromyces Boulardii 


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 12/13/2008 12:59 PM (GMT -6)   
Wow Glamour - I thought people with IBD were deemed "uninsurable" on private non-group plans. They know about your UC? and still accepted you? Very impressed.
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.


bbc
Veteran Member


Date Joined Mar 2008
Total Posts : 1580
   Posted 12/14/2008 12:59 AM (GMT -6)   
Stress and my IBD ='s FLARE : ( avoid it at all costs possible
Moderate Pancolitis
Dx'd 05/2007
7 Pentasa per day (4/3)
Corti Foam p.m. 2X per week
Prebiotics and Probiotics, Bowel Soother, Fish Oil, Calcium, Multi Vitamin and Melatonin
Trying to reduce sugar in my diet but cannot tolerate artificial sweetners
I excersice daily
Did I happen to mention I HATE this disease!!!


Red_34
Elite Member


Date Joined Apr 2004
Total Posts : 23551
   Posted 12/14/2008 8:51 AM (GMT -6)   
Bbc, yep I am the same way. Except my Uc behaves its self while I'm in the stress zone...it's the afterward that affects me. I've been trying to do things to take my mind off this whole fiasco. In fact, we went out bowling last Friday with friends and my hubby and my friend started talking about it but I put a stop to it! lol I told them that tonight was a night of fun, not worrying about our future. Later in the evening, my hubby agreed that going out did him a world of good.
 @--->--SHERRY--<---@
Moderator for Allergies/Asthma and Co-moderator for UC
~Left sided Uc-'92-Colazal(9 daily),6mp(50-100mgs),Bentyl, Prilosec,Biotin,Forvia,Pro-Bio**Unable to tolerate Asacol, Rowasa or Canasa**~Year-round allergies-Singulair, Zyrtec~Secondary Reynauds Syndrome-'04-Norvasc~Sacroiliitis-epidural injections~bulging and herniated discs C5/C6 & C6/C7~3 epidural injections-worked great!, OA in my fingers 
To help Healingwell - click here: DONATE
 
 
 
 

 
 


glamourgirl
Regular Member


Date Joined Apr 2008
Total Posts : 460
   Posted 12/14/2008 12:17 PM (GMT -6)   
Blue Cross can't deny you - my agent told me something about them being a non-profit or private (I can't remember). Whatever it was, they accept everyone with pre-existing conditions. My friend's DH had cancer and they recently started a BC/BS policy.
Female, Age 37
 
Diagnosed w/c.diff 7/02 when pregnant w/1st and only child during 2nd trimester(wasn't on antibiotics)
C.diff flare within weeks of delivering baby 1/03
Diagnosed with UC 2/03
_____________________________________________________________
Current Meds:
75mg 6-MP
Entocort
Cortenema as needed
Ferrex Forte
Acidophillus
Sacchromyces Boulardii 


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 12/14/2008 2:01 PM (GMT -6)   
I am guessing that varies by state but awesome for you!
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.


bbc
Veteran Member


Date Joined Mar 2008
Total Posts : 1580
   Posted 12/14/2008 3:47 PM (GMT -6)   

That happens to me as well...

 

On the Detriot front at least your Husband does not work for GM lol...keep the faith : )

Red_34 said...
Bbc, yep I am the same way. Except my Uc behaves its self while I'm in the stress zone...it's the afterward that affects me. I've been trying to do things to take my mind off this whole fiasco. In fact, we went out bowling last Friday with friends and my hubby and my friend started talking about it but I put a stop to it! lol I told them that tonight was a night of fun, not worrying about our future. Later in the evening, my hubby agreed that going out did him a world of good.


Moderate Pancolitis
Dx'd 05/2007
7 Pentasa per day (4/3)
Corti Foam p.m. 2X per week
Prebiotics and Probiotics, Bowel Soother, Fish Oil, Calcium, Multi Vitamin and Melatonin
Trying to reduce sugar in my diet but cannot tolerate artificial sweetners
I excersice daily
Did I happen to mention I HATE this disease!!!


gmasusie
Regular Member


Date Joined Nov 2007
Total Posts : 30
   Posted 12/14/2008 9:54 PM (GMT -6)   
Sherry
We are in the same boat-except my hubby retired from GM. If they go bankruptcy we will loose our pension. We also have part time jobs but cant loose what pension we get.He retired early because they closed the plant he worked at.
I still have a hard time believing the big three are that broke. Ya gotta love living in Michigan!
Sue

Red_34
Elite Member


Date Joined Apr 2004
Total Posts : 23551
   Posted 12/15/2008 8:13 AM (GMT -6)   
Sue, yep gotta love the MI! I know that the big 3 has always had their share of hardship over the years but this seems unreal. My gma, who relies on my gpas pension for her payment of the assisted living center, is going to be hit hard as well if Ford goes under. The retirees are going to have a tough time of it the most I believe. But I have faith! Because there is just NO way the government can allow the 3 to go bankrupt. Soooo many people rely on the auto industry for the livelihood that if they let anything happen to them, it would put is in a more severe repression then we are already in.
 @--->--SHERRY--<---@
Moderator for Allergies/Asthma and Co-moderator for UC
~Left sided Uc-'92-Colazal(9 daily),6mp(50-100mgs),Bentyl, Prilosec,Biotin,Forvia,Pro-Bio**Unable to tolerate Asacol, Rowasa or Canasa**~Year-round allergies-Singulair, Zyrtec~Secondary Reynauds Syndrome-'04-Norvasc~Sacroiliitis-epidural injections~bulging and herniated discs C5/C6 & C6/C7~3 epidural injections-worked great!, OA in my fingers 
To help Healingwell - click here: DONATE
 
 
 
 

 
 


Gigi1227
Regular Member


Date Joined Aug 2008
Total Posts : 469
   Posted 12/15/2008 9:43 AM (GMT -6)   
Red, I am so sorry for your stress - this economy sucks.  We don't work w/ the auto industries, but one never knows when they are or aren't going to have a job!  Let's just pray Obama is able to help pull us out of this mess.  My prayers will be with you and with so many others who have already lost their jobs.  I do feel that we will have to help out the auto industries because if we don't it will hurt all of us even more. 
 
Gigi1227
Diagnosised 8/25/08 GRRR
Started flare mid-May/feeling better but still flaring
 
Canasa 2x a day
Asacol
Multi Enzyme
Mega Probiotic
Psyllium
Fiber Wafer
Nictotine Patch
Fish Oil Pill
Multi Vitamin
B12
 
 


bbc
Veteran Member


Date Joined Mar 2008
Total Posts : 1580
   Posted 12/15/2008 12:45 PM (GMT -6)   
Is it 100% certain that if Ford Gm etc goes into bankruptcy protection that it will suspend pension benefits?

Moderate Pancolitis
Dx'd 05/2007
7 Pentasa per day (4/3)
Corti Foam p.m. 2X per week
Prebiotics and Probiotics, Bowel Soother, Fish Oil, Calcium, Multi Vitamin and Melatonin
Trying to reduce sugar in my diet but cannot tolerate artificial sweetners
I excersice daily
Did I happen to mention I HATE this disease!!!


Red_34
Elite Member


Date Joined Apr 2004
Total Posts : 23551
   Posted 12/15/2008 2:37 PM (GMT -6)   
No, nothing is certain at this point in time.
 @--->--SHERRY--<---@
Moderator for Allergies/Asthma and Co-moderator for UC
~Left sided Uc-'92-Colazal(9 daily),6mp(50-100mgs),Bentyl, Prilosec,Biotin,Forvia,Pro-Bio**Unable to tolerate Asacol, Rowasa or Canasa**~Year-round allergies-Singulair, Zyrtec~Secondary Reynauds Syndrome-'04-Norvasc~Sacroiliitis-epidural injections~bulging and herniated discs C5/C6 & C6/C7~3 epidural injections-worked great!, OA in my fingers 
To help Healingwell - click here: DONATE
 
 
 
 

 
 


Peety
Veteran Member


Date Joined Mar 2008
Total Posts : 2855
   Posted 12/16/2008 3:03 PM (GMT -6)   
It is a scary time. I am hopeful that the health care reforms being talked about make progress. One would allow younger people to buy into Medicare or the federal employee health plan. That will be a good option, and that and other proposals will make the insurers compete and maybe offer more reasonable premiums. Of course it's all much more complicated than just that...but I'm hopeful.

We're all going to be affected somehow, I think. Think of the advertising dollars that would be lost if the U.S. automakers go under, and all the businesses that rely on just that piece. It gives me some peace of mind to know that we're all in this together and so will come out of it alright.

I think something will be done for the auto industry but there will be lots and lots of strings attached, so there still may be huge layoffs and/or loss of benefits. It's good the hear the unions are accepting that they have to back down on their usual aggressiveness (putting it nicely) if they want the employers to survive.

OK, that's my rambling on the whole thing. Keep the faith.
49 year old female attorney, diagnosed UC/pancolitis 1985, no surgery but much suffering.
Asacol/5ASA 6x400 mg maintenance for 20+ years; use prednisone & Rowasa for flares. 
August 2008 sought care of naturopathic doctor. Food sensitivity test showed gluten, other intolerances; started diet without gluten, soy, dairy, tomato etc. Replete$$ probiotic powder at first, now Forte pills. 
Doing much better, but still experience anxiety that interferes with activities. 
 


gmasusie
Regular Member


Date Joined Nov 2007
Total Posts : 30
   Posted 12/16/2008 8:43 PM (GMT -6)   

Sherry

you are so right the trickle down efect it would have on the allready bad economy. But to answer to someones post yes we will loose some of our pension if not all and health insurance. If that happens there will be a LOT more people living off the goverment.Or in card board boxes. I think Sherry would agree that It is not all up to the unions to help the auto industry to survive most has to be done from the top.

Sue


Lonie
Veteran Member


Date Joined Feb 2005
Total Posts : 6448
   Posted 12/17/2008 9:42 AM (GMT -6)   
Well, joy... yesterday we just got news in a big meeting that our pensions are frozen; and no more 401k match. Guess we are lucky that we even have a pension these days, but no 401k match is tough...but hey in this day I'm happy to have a job. It definitely is a trickle down effect; the amount of stores that are closing in our area and then businesses that have just quit is crazy. I work in the procurement end of things so we are seeing it on a daily basis.

Carol

Remicade - will have my 25th infusion on November 26 
Vitamin B-12/Biotin, Probiotics
 
Co-Moderator for the UC Forum
 
 

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