Working, Insurance, Life

[anonymous]

I am graduating in a week from college and getting a little nervous about life after college. I do the Vest three times a day, first in the morning, mid afternoon, and bedtime, and am currently on SSDI and Medicare, as well as insurance through my father's work. I really want to work but I don't know how I can work full-time in order to get off of SSDI and to get insurance through the company in which I might work. I haven't sent out resumes at all I am so unsure of the future it makes me a bit edgy. I am 26, I went back to school four years ago to get my bachelors in graphic design. Now that I have it I think, how is this all going to work. I don't want to jeopordize my health to work an 8 hour day, especially sitting in front of a computer all day. I did the full-time work five years ago, and would take a two hour break for Vest and go back to work, made for a 10 hour day. I want to live my life, not live it at work. I just wonder how everyone does it, work, family, insurance, health? I wish someone would just pay me to spend my day outside, taking long walks - that would be great. Thanks for listening, or rather reading. SarahFemale, 26, CF

 

[anonymous]

graphic design is perfect! You can freelance from home if you need to, and basically "create" your own hours, or do part time in an office & part time at home. For insurance there is a freelancers union where you can get reasonable insurance from. Most big companies have in house designers in order to "cut costs". So don't limit your job search to just design houses. Congrats on graduating <img src="i/expressions/face-icon-small-happy.gif" border="0"> brig

 

[anonymous]

Sarah, I'm kind of in the same boat you are....I have a Michigan Children's Medicaid and I have both of my parents insurences, they're both teachers and that is good but I think I get kicked off at age 25..? I'm 22 and starting to look for real full time jobs. I'm applying for SSI for the 2nd time as the first time I was rejected. Is there anyone out there (I know there are) who is or working full time and has their own insurance. My field is theatre/arts management... I will be researching this very soon but would like some advice. How have some of you gone about getting off of your parents insurence?Thanks a lot!!Emily 22 w/cfletsrockcf@hotmail.com

 

[anonymous]

Hi Sarah....congratulations on graduating!I am a 34 yr old...with CF. I have been through a few different insurance scenarios in my working lifetime since graduation. One thing you might want to look into....if you happen to know anyone (friend, family member, significant other...etc. who would be willing to put their name down as a partner in a business (I formed an LLC with my wife as the partner when I did this) you can then apply for insurance without being subject to the normal proof of insurability you would have to go through to get your own personal insurance. Both of you would have to purchase the insurance however......Mine was through Blue Cross Blue Shield. My insurance was every bit as good or even better than it was through a large corporation and I believe we paid $500/mo for the two of us. That was a few years ago so the price may have come up a bit... This was for the very best coverage with the least deductible I could purchase...you can also scale that down if you need to. Good Luck!

 

[anonymous]

Sarah,I was in the same situation as you are. I was covered under my parents insurance and was receiving disability & medicare. After I graduated from college, I had to be declared totally & permanently disabled in order to stay on my parents insurance. This obviously prevented me from working. However I did volunteer at several places to keep me busy. My "employers" traded me free services for working. Obviously this was not an ideal situation. Meanwhile, I was living with my boyfriend, altough I wasn't supposed to be because in order to stay on my parents insurance I had to live under their roof. We wanted to get married for many years, but his insurance/jobs were not stable. I was just "spending the night" every night i guess. Anyway, in 2002 we were finally able to get married and his job has good insurance. I agree with brig, graphic design does sound like it would be perfect to freelance or work part-time at. Don't give up, you'll find a way around it!Congrats on your graduation!Martie, CF

 

[anonymous]

Hi guys. I am 22 w/ cf went away for 4 years in college and i graduated a year ago and have been working full time for an insurance company. I stay active and play a lot of sports, lift weights and eat right and i have been very healthy, never really any big problems. My father is a police officer and its something that i have wanted to do for a long time. I have been taking tests since i have been out of school and it is very competative. I am currently having a background check done on me which is one of the final steps in the proccess. Following this is what they call a medical evaluation from a doc. Does anyone know or ever heard of anyone getting into this type of field with cystic fibrosis? It has been a dream for me and i am almost there and i am crossing my fingers that i dont get tossed out because of the cf. Anyone have any insight?ThanksJason.

 

[anonymous]

Hello all, just reading the insurance news here and found it sad. I am a 24 year old cf patient and have been in the insurance field for about 6 years.There are so many options available to us that it is just silly. Some of them have already been examined (group company, spouse, or parents) there are still more.Many states have high risk pool insurance, it is expensive but does the trick. Also if you are in the hospital more than 3 times in a year there are policies that will more than make up the difference in cost of major medical and loss of work. I have set up 4 patients in the past whom where in the hospital 4-8 times in a year, kinda hard to hold a job, so I told them how insurance companys have policys that will pay you whenever you go into the hospital for treatment. In most cases it became more economicly viable for the patients to quit their jobs and just maintain their health by receiving inhospital antibiotics every eight weeks. Good luck to all and please feel free to e-mail me Mindflayer98@aol.com if you need more specific information.

 

[anonymous]

Jason,I have not heard of anyone becoming a cop with CF, and personally I don't see how it could happen. If you are like most of us and have lung problems, I can't see them taking you even though you do stay in shape which is great I work out myself about 6 days a week. Imagine this, you are chasing a perp down the street and he gets away because you have to stop and cough. If this is a dream of yours then go for it, if you make it you would probably be the first, let us know how it goes.Dave 29 w/cf