WOMEN AGES 50+ FOR SEPTEMBER 2023
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SophieRosieMom wrote: »Kim - is there a Social Security office near you? Maybe if you can just go and talk to someone in person, that would help. Or find a number for the local SS office and talk to someone there. I think they hire a lot of new people at the big call center who just flip through pages to give out answers and aren't that helpful. Good luck to you. This is certainly stress you don't need!
When my DH passed, the funeral home said to contact Social Security and gave me the 1-800 number. I can't recall the specifics but it was frustrating and I listened to their jabber and it was a waste of time. So I dug out the SS paperwork we got when we first signed up and it gave the address and phone number of the local office. The gal I talked to there was terrific, former Marine like DH so we clicked. She took care of the SS and Medicare stuff. I was ready to drive to the office and glad I didn't have to.
Tina - you popped into my head yesterday, I was wondering how you were. Glad to see you are home.
Lisa - you certainly struck gold with Corey. Good job on the elliptical.
Pip - love your new bike. Bet it will be fun breaking it in.
Michele - yes, at least you are walking even if you are a bit slower these days. That's the way I feel. Some days I can go at a good clip, other days it's slower and I take time to appreciate my surroundings. The gal I sometimes walk with is barely 5' tall, so she hustles to keep up with me. And she knew that was part of the deal when she wanted to walk with me, because she knows I really enjoy walking by myself.
Heather - does someone have a bike you could borrow to try it out? I'm too scared of traffic to bike on the busy main road and I rarely see folks biking it let alone walking on it during work hours. Too many big county dump trucks and such. Plus a pretty steep hill. Got one when we moved here and eventually gave it away.
Rebecca - thank you for sharing your lasagna recipe. Any Athena & Eli updates?
Rosemarie - glad to see you are getting some energy back.
I have hot feet and painfully cold hands, especially my right hand, and I'm right handed. I wonder if arthritis causes this So I look forward to washing dishes by hand. Kylia - I agree about mittens vs gloves, and when I walk during cold weather I actually make teensy rice socks to heat up and put in my pockets to keep my hands warmer.
Cleaner is coming today, I have a few more things to pick up and put away before she gets here. Want to get a quick walk in before she arrives.
Make it a super day, ladies!
Lanette
SW WA State
Not any updates as of late. I think my son is back to attending his college classes, so its probably very stressful. If I haven't gotten any updates, I will try to contact him this friday, when he has no classes. The other grandma is there helping and will be until the end of the month I understand. My daughter in law has maternity leave until January so that's good. Hopefully they will find a caregiver for the time son is at school, or maybe he will be just online classes by then. I don't know. 👍🏼💖
Rebecca
Whidbey
Wa4 -
Heather-I recommend an e-bike, but a step-through style. They make them small these days and you can putt all around easily. Just get a helmet. I have a helmet with a headlight and taillight/blinkers.
Machka-I can relate on the heat issue. I seem to be warm all the time now and have random overly-hot periods of a few minutes. Not like hot flashes. Those came from inside and radiated out. This is just an overwhelming heat all over, mostly on my head. However, the mister is always cold (I think a side effect of some medication he's taking), so we have a battle with the thermostat. He keeps it at or over 78F/25.5C. I want it well below that in the daytime and I'd love it around your temp at night. He likes to sleep in a sauna (always has). When he's at work, I crank the A/C down and I'm comfortable. At night, I toss and turn and sweat. Then he complains that I have health risks for not getting enough sleep. Well, he can just wear a sweater and get another blanket! It's so frustrating.
Rebecca-I was so happy to read about Owain. Glad he got back in touch.
So, Honduras was interesting. I did get to spend quality time with my step-sister. That was good. Sadly, the host family was so negative about Honduras and the people that it made it an unfortunate experience. They have lived there as missionaries for something like 15 years and are so negative. I wouldn't do that trip again just because of them. The Hondurans were wonderful and the kids were so cute. We did get to do a team activity when we arrived and it was to a beautiful park with waterfalls. We ziplined over the falls. I'd do that again. If I can get a picture to post, I will.
Healthwise, when I returned from Honduras, I had lost 2 pounds. But I immediately had guests the day after I arrived and have for a month. So, those two found me and brought friends. Too much eating late, booze, and not enough exercise. Back on the wagon I go.
Have a good day!
Tina in CA
8 -
Pics from Honduras and my birthday event. The mister took me to an animal conservation park and I got to spend an hour in a pool with otters.
My colleague on the zip line.
Tina in CA
8 -
Hi Gals,
Last week was a complete joy – this week is not so much!
So some of this will be like Greek if you are not dealing with the US health system, or if you are not yet in Medicare – the US senior (65+) health care system. So it is in a spoiler!Most of this is just venting!!!
I turned 65 in august and am signed up for Medicare but not for Social Security – I have run the numbers every which way and based on the things that you can predict Social Security at 70 is the best financial choice for me.
So when you sign up for Medicare and Social security at the same time the premium for Medicare is taken out of your social security check before you receive it. (any supplement to Medicare is handled separately). But if you are not getting a social security check you have to send them a check each month for Medicare (or do some form of Auto Pay) So far so good. My pre-Medicare health care bill was $27.84 a month, my Medicare bill will be $164.90 a month, this is a huge increase to my budget but I’m working more hours and think I can make it work.
So yesterday I got the first bill – for 5 months (YES that is right 5 months!!! ) $824.50 OH my gosh! And it is due on 9/25 and there is a note that if you do not pay your insurance will be cancelled. Why is it for 5 months?? Who knows! So I wait until they open today and call. I get a woman who reads me a 10 page manual about paying. Totally incomprehensible. Maybe if I had it in front of me I could figure it out but not having it read to me. This doesn’t answer any of my questions and I have to hang up as I have a client coming - time wasted 2 hours.
She mentioned something called easy pay that I can do online, but I can’t figure out what it is from the manual she read to me.
So this afternoon I get online…. Took 1.5 hours to get an account…. Had to call for help but did that. Then there is no button/ tab nothing that says easy pay. I start going one by one touching tabs – and nothing until I find something under account that I touch (as I am doing each one in order) and it gets me to easy pay. So this is a monthly billing system they will take the money from my account (not my favorite) but everything else I have to pay multiple months at once.
So I start filling it out, near the end it tells me that it takes 6-8 weeks to get fully set up. I should pay all the bills that come between now and then and that when set up it will take between 1-3 months out the first time and then one month at a time after. So doing the math I need to pay 5 months now (through 12/31/23) then on November 20 they will take maybe 3 more months out (so I would be paid through March) then each month after 1 month…… So basically I will always paying for a month that is either 2 or 4 months in the future…. Bet when I die my estate doesn’t get a refund !!!!
And more importantly this is a HUGE unexpected bill that they will not work with me. I called again now that it was all set up to ask if I could pay this 5 month bill overtime. No. They had notified me of the multiple month bill - I asked when and how was I notified. It is in the booklet they sent on Medicare. I tell the gal I never got the booklet. Could it be resent? No is the answer. Each person gets one only. The computer says we sent one. Can I access it online? No. Can I speak to a supervisor? No they go home at 5 and it is 5:01 and by the way the phones shut off at 5:05 and our call will be discontinued.
I should be nice and call back tomorrow and see if someone else can help me but I am thinking I’ll just call my congress person.
Kim in N. California
a pretty frustrated US senior
Kim ... call a medicare broker in your area ... they should at least know what is going on with payment systems and Medicare. And their services (at least in my area) are free with no strings attached). Not receiving Social Security at this time will make things more complicated... but surely they've had others with the same scenario.My husband took SS early at 62 but turns 65 in October of this year. It has been a fiasco but for different reasons than yours. We took a large lump sum payment in 2021 and ... lo and behold ... Medicare is counting that income as "excess" and is going to charge him ... in addition to the 164.90 ...263.70 more for a total of 428.60 each month. The lump sum, I might add, was to pay off the house, so it's not like we're sitting in a lot of excess cash. Now we can appeal this ... because 2022 and this year fall way way short of their surcharge thresholds. But when he calls Social Security ... they tell him he isn't in the Medicare system. (Banging my head).5 -
We do have bike lanes in Hove, but the school route includes a main road and they took out the lane after covid ended.
The main bike lane is along the seafront.
If there were more lanes, I would definitely bike.
My thigh gave out today at one and a half miles. After a half hour rest in the park I was able to continue. So annoying. DDIL has given me the name of a very good sports physio that she and my son used, so I can try them. What a bore!
The girls were wonderful, with Bea demanding all of DH'S attention. He said she ought to put her sweet papers in the rubbish bin. She said 'You are my rubbish bin."
DH and I went to the boutique brewery afterwards. It has won a national award. We chatted to a very nice man. We always seem to meet people there.
I suggested we might go to Shandiz. DH agreed with alacrity! We asked for the lamb to not be overcooked. It was perfect. So an unexpected date night, and much better than last week. We had some great chat about roads not taken in our lives. Lovely.
Now home and watching Midsomer Murders.
Love Heather UK xxxxxxxx
6 -
Stats for the day-
Outside bike ride *1ST RIDE W/NEW BIKE*- 2hrs 8min 38sec, 286elev, 71aw, 14.2amph, 136ahr, 156mhr, 30.42mi= 1128c
Strava app= 615c
Walk home to gym- 12.14min, .53mi= 54c
Strava app= 65c
Treadmill jog- 27.53min, 2mi @5.5sp, .60mi @6.0sp, 127ahr, 168mhr, 2.60mi= 287c
Walk gym to store then home- 19.39min, .91mi= 114c
Strava app = 112c
Outside bike ride- *test ride w/seat adjustment* - 3.38min, 7elev, 56aw, 11.3amph, 113ahr, 136mhr, .68mi= 25c
Strava app= 14c
Total cal 16083 -
Tina ~ The photographs are lovely. Would love to see those water falls. You surrounded by otters was cool!
Carol in GA2 -
Heather-I recommend an e-bike, but a step-through style. They make them small these days and you can putt all around easily. Just get a helmet. I have a helmet with a headlight and taillight/blinkers.
Machka-I can relate on the heat issue. I seem to be warm all the time now and have random overly-hot periods of a few minutes. Not like hot flashes. Those came from inside and radiated out. This is just an overwhelming heat all over, mostly on my head. However, the mister is always cold (I think a side effect of some medication he's taking), so we have a battle with the thermostat. He keeps it at or over 78F/25.5C. I want it well below that in the daytime and I'd love it around your temp at night. He likes to sleep in a sauna (always has). When he's at work, I crank the A/C down and I'm comfortable. At night, I toss and turn and sweat. Then he complains that I have health risks for not getting enough sleep. Well, he can just wear a sweater and get another blanket! It's so frustrating.
Rebecca-I was so happy to read about Owain. Glad he got back in touch.
So, Honduras was interesting. I did get to spend quality time with my step-sister. That was good. Sadly, the host family was so negative about Honduras and the people that it made it an unfortunate experience. They have lived there as missionaries for something like 15 years and are so negative. I wouldn't do that trip again just because of them. The Hondurans were wonderful and the kids were so cute. We did get to do a team activity when we arrived and it was to a beautiful park with waterfalls. We ziplined over the falls. I'd do that again. If I can get a picture to post, I will.
Healthwise, when I returned from Honduras, I had lost 2 pounds. But I immediately had guests the day after I arrived and have for a month. So, those two found me and brought friends. Too much eating late, booze, and not enough exercise. Back on the wagon I go.
Have a good day!
Tina in CA
Thanks, I am happy too.💖⚓👍🏼
Rebecca
Whidbey
Wa1 -
Latest photos of Eli.💖👍🏼 Such a sweetheart, and all that hair!
I had a nice video chat with Athena today.💖
Rebecca
Whidbey
Wa
11 -
3433430
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I had a broker help me with the insurance for Medicare and it was a 3 hr ordeal,but was sooooo much help.
I keep her on speed dial..5 -
Today was the first day of senior bowling. Organizational meeting and then free bowling. Afterwards, we cut the front lawn (weeds). Put down that weed killer around the pool. I DO NOT want them to grow back. After dinner took a walk around the neighborhood. Got packed to go tomorrow. Got in 16,000+ steps
Vibrantreader – welcome
pip – nice looking bike. Good deal, too
Betsy – HUG
The older I get, the slower I walk. I look at it as “at least I’m walking”
I don’t like to go barefoot. For one thing, I have this “thing” about germs on my feet. Probably stems from the fact that I seem to get a lot of plantar warts. For another thing, it hurts my feet. Probably because I’m not used to it
There is a lady at the soup kitchen who has Renaud’s syndrome. She was saying that even in summer, she sometimes has to wear gloves
regarding cold hands: you know what they say “cold hands, warm heart”
Michele NC
If I am pulling more than just one or two things from the freezer, I need to wear gloves, same, but not as bad with things from the fridge. Finger tips turn a beet red and burn and itch so bad until I can warm them up2 -
3443440
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Eli1
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Rebecca …how is Athena adjusting to her new brother?0
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Jake is in the hospital. What he thought was a badly twisted or sprained knee turned out to be a big infection. His primary care doctor ordered blood tests and an ultrasound of the area and had him go to the emergency room late yesterday afternoon. I left him there to come home and take care of the dogs. I went to bed fully dressed expecting to get a call in the middle of the night to come get him, but he texted at midnight that they were keeping him. He had good doctors, a comfortable bed, and I'll be bringing him some clean undies and jammies and personal care products early in the morning so he can get cleaned up. There is no projection about when he'll be coming home. I just borrowed a walker from my neighbor who is a former line dance student from my class.
Barbie in NW WA14 -
Barbie - sending (((Hugs))) and good thoughts for Jake. Hope they can get on top of it rapidly and he can come home soon. Thank you for letting us know.
Lanette1 -
Barbie -saying prayers for a quick recovery for Jake..
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Barbiecat-my thoughts are with you0
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Barbie … praying that Jake’s infection quickly subsides and he is soon able to come home. Prayers for you too!0
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