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financial hardships ARGHHH   Topic List   < Prev Topic  |  Next Topic >
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Re: financial hardships ARGHHH

Liza...thanks for responding to my post. To answer your question…healthcare in
Japan is about equivalent to ours relative to technology. I did like their
bedside manner as the medical professional took their time to explain everything
even if this meant taking an hour or more out of their schedule to do this. The
only issue, and one that the USA should consider doing as well, is any
non-resident seeking medical services has to pay cash up front or no service.
You then have to submit a billing claim to your health insurance for
reimbursement. I believe that most insurance company's have a provision written
in their policy about overseas traveling and healthcare. Make sure you check
yours out before embarking on your trip. If you are thinking about living
overseas then I would consider getting an international insurance carrier like
Cigna International. I did not have any problems with them reimbursing me for
both services and medications.

The Japanese language is very difficult to learn. My hat is off to your son!

I want to return back overseas and am not sure if either the doctor is going to
co-sign this or the military folks will approve my return with the disability I
have. Everything is up in the air for now but I have been submitting resumes
anyway hoping I can get picked up again.

Monica…thanks for your response as well. I will check out the Ed Schultz's
website. I listened to him every night while living in Japan and liked him very
much.


--- In womenwithsci@yahoogroups.com, "Monica KamalRossa" <xena-rolls@...> wrote:
>
> I agree with Liza. Thanks for sharing and you should share you story with
> the news and bloggers. It is an example of some of the issues we have had to
> deal with. Perhaps you could email Ed Schultz at The
> <http://www.google.com/url?sa=t&source=web&ct=res&cd=1&url=http%3A%2F%2Fwww.
> bigeddieradio.com%2F&ei=Re8hSrHGMqX0Mu3bkb0J&usg=AFQjCNEyBzIAy5JX8jHUDeZCQTh
> vpiGNDA> Ed Schultz Show <mailto:ed@...>
> ed@...
>
> Although you have more than your fair share of financial issues, many of us
> are dealing with issues like this. I don't think enough people really
> understand how some can be in such dire straights, and they did nothing
> wrong. Things just happen.
>
>
>
> My son is taking Japanese at his high school. How is health care in Japan?
> Are you remaining in the states?
>
>
>
> Have a great day!
>
> Monica KamalRossa
> <http://www.rossadigitaldesign.com/> www.RossaDigitalDesign.com
> Madison's Spinal Cord Injury Group Coordinator
> <http://www.SCI-Madison.org> www.SCI-Madison.org
> ----------------------------------------
> Be the change you want to see in the world. -- Mahatma Gandhi
>
> _____
>
> From: womenwithsci@yahoogroups.com [mailto:womenwithsci@yahoogroups.com] On
> Behalf Of Liza Perez
> Sent: Saturday, May 30, 2009 7:37 PM
> To: womenwithsci@yahoogroups.com
> Subject: Re: [Women with SCI] Re: New Member
>
>
>
>
>
>
>
>
> Wow!!!
>
> I am glad that you are able to walk again. Thank you for sharing your
> hardship with us, financial issues are always prevalent when dealing with
> disability and I truly believe that knowledge is power. Please keep in
> touch and I truly hope that things get better soon.
>
> Liza
>
> ________________________________
> From: anokij <anokij@yahoo. <mailto:anokij%40yahoo.com> com>
> To: womenwithsci@ <mailto:womenwithsci%40yahoogroups.com> yahoogroups.com
> Sent: Friday, May 29, 2009 11:04:33 PM
> Subject: [Women with SCI] Re: New Member
>
> Hello to all you ladies,
>
> Let me introduce myself. I was involved in a near fatal bicycling accident
> on March 22, 2008 in which I sustained an incomplete C4 SCI and was
> paralyzed from the neck down. I was living and working overseas and had to
> be medivaced back to the states. My nickname in the hospital was the "Quad
> from Japan". The prognosis was not good but 16 months later and a lot of
> blood, sweat and tears I am now walking, functioning and living
> independently again. I do have residual damage that I will live with until
> research catches up, bu all in all grateful for the progress I have made and
> now my nickname with all the medical staff is the "miracle quad from Japan".
>
>
> Now I am going vent...please be patient with me. I really don't know what
> has been more painful...the physical rehab or the bs I have been having to
> go through lately with finances. I went through all of my savings and state
> disability insurance and was now forced to request hardship money out of my
> 401k. This is a nightmare! I had to actually be involved in an eviction
> process with my landlord to claim hardship, per the IRS regulations. The
> eviction went through within 48 hours after it was initiated and a judgement
> was made against me. The sheriff were scheduled to come out and lock me out
> of my apartment next Tuesday. I finally got the hardship approved and the
> monies FEDX'ed to me, with nly a few days to spare. Though the eviction has
> been terminated the eviction judgement stands on my credit report. So now
> not only am I fighting to regain my physical life back...I now have to fight
> to clean up my credit. For anyone out there thinking about accessing
> your 401k on a hardship.... DON'T DO IT!!!!!!!!
>
> Oh! by the way... anyone thinking about taking out long-term disability
> insurance... make sure you research the company and understand all the ins
> and outs about their polices. My company sold me on taking out extra
> insurance coverage with Cigna and they have not followed through with good
> faith practice...meaning I haven't recieved the monies I paid to receive if
> ever disabled.
>
> Thanks for being here.
> anokij
>
> --- In womenwithsci@ yahoogroups. com, laura.beaudin@ ... wrote:
> >
> > Hi all,
> >
> > I guess I should post an introduction. I'm Laura and I live in Edmonton,
> Alberta. I just turned 31 and have been stuck in the hospital and away from
> my two young daughters since March 15.
> >
> > I guess I should say that I do not have an SCI. I have multiple sclerosis
> and either my condition has evolved into the secondary-progressi ve form, or
> I have TM. I went to the Emergency in March for pain-control for back spasms
> and steroids and couldn't walk sincre I got there. I'm now waiting for a
> neuro-rehab bed at the hospital next door.
> >
> > I hope you guys don't mind me on the list...being essentially paralysed,
> I'm hoping that this would be a good place to swap info...even from the
> rehab. Point of view, it seems like I've already been lumped in there with
> the SCI crowd.
> >
> > Laura
> > Sent on the TELUS Mobility network with BlackBerry
> >
> > -----Original Message-----
> > From: "ladybug_nicole2006 " <ladybug_nicole2006 @...>
> >
> > Date: Wed, 27 May 2009 01:07:54
> > To: <womenwithsci@ yahoogroups. com>
> > Subject: [Women with SCI] Pregancy
> >
> >
> > Well im 6 week pregnant and im L2 incomplete and i can walk some with
> braces and a walker...But im a little worried. One of my concerns is being
> weighed every visit not being able to stand by myself. Well if anyone can
> give me some advice that would be great!
> > ~Nicole~
> >
> >
> >
> >
> > [Non-text portions of this message have been removed]
> >
>
> [Non-text portions of this message have been removed]
>
>
>
> No virus found in this incoming message.
> Checked by AVG - www.avg.com
> Version: 8.5.339 / Virus Database: 270.12.46/2143 - Release Date: 05/30/09
> 05:53:00
>
>
>
>
> [Non-text portions of this message have been removed]
>





Sun May 31, 2009 5:01 am

anokij
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I agree with Liza. Thanks for sharing and you should share you story with the news and bloggers. It is an example of some of the issues we have had to deal...
Monica KamalRossa
xenarolls
Online Now Send Email
May 31, 2009
2:53 am

Liza...thanks for responding to my post. To answer your question…healthcare in Japan is about equivalent to ours relative to technology. I did like their...
anokij
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May 31, 2009
5:02 am
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