Honestly

Two updates to complicate the post below even more.  I ate out at Olive Garden last night because I wanted to support their support of their employees...and not to put too fine a point on it,  I just wanted to eat out after several weeks of cooking.  Anyway, the waitress comes to our table and asks for our drink order after we get settled.  She proceeds to sneeze into her elbow not once but twice before she can even speak.  She has been out the two prior days due to illness.

Yes, this was extremely off-putting, and if I was more religious, I would say this was a message of some kind from God.  Of course, I had to comment that I was pleased how the Darden franchise had decided to provide their employees with heath care instead of cutting hours.

She smiled ruefully and then said it was great if you could afford it.  Yes, they provided every employee with the opportunity for health coverage, but it was expensive and the coverage was minimal.  Then she said that if she didn't want it she still had to provide herself with health coverage from somewhere else by law. 

I also want to add, after talking to my husband, that my health coverage, which is taken from my pension check prior to my getting it, is also more expensive then I remembered.  My husband and I pay for single, not family, coverage as it saves us about $100 a year.   We are both on Medicare by age, but also must purchase the supplemental for coverage of what Medicare does not pay which is a lot!  We each pay $165.79 a month.  Last year it was $132.21.  This is almost a 25% increase in premium costs if my math is correct.  I could blame this on the implementation of the Affordable Health Care Act, but I am a pragmatist and think it would have gone up anyway and I do not know for what reason.  My co-pays creep up over the years as well.  Still this insurance is far less than we would pay through Part A and Part B supplimental Medicare insurance to pay for the things that the medicare basic does not cover.  It is similar to what Congress gets.

We also both carry long-term care insurance.  We would get about 3 years coverage each in a nursing home if needed and this costs us about $300 a year each.  We purchased these policies when we wer in our mid-fifties for greater savings   These are somewhat of a gamble, because in decades ahead the insurance company has to be there to pay out if needed and we are gambling that one or both of us will need to spend time in a nursing home.  Our company is large and bonded.

I took care of my mother in her last months in her own home and I took care of my Mother-in-Law in her last years in our home.  But she did have to spend a few months in a nursing home before her death when she required full time nursing care.  I just do not want my children to have to take us in if they cannot.  My father was taken in by my brother for a year before his death.  My Father-in Law spent about a year in a nursing home in Florida.