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Old 12-11-2018, 01:28 PM
 
2,676 posts, read 1,077,394 times
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Quote:
Originally Posted by jrkliny View Post
I don't often mention my wife's health issues but she outdoes your wife's by an order of magnitude: Hashimoto's, Celiac, IBS, Fibromyalgia, Myasthenia Gravis and even Sjogren's.


She has had 4 serious traffic accidents, none were her fault. The first was 30 years ago and she recovered fairly well. Her second was 15 years ago when she was rear ended in a merge lane. Then 10 years ago rear ended by a school bus when she was stopped for a traffic light. Then an Escapade did the same thing a couple of years later. The cumulative result has been whiplash injuries to her neck that will never heal plus traumatic brain injuries that often leave her feeling foggy. Coupled with her autoimmune disease she is in chronic pain and suffers frequent migraine headaches. She is at PT and yoga and more at least 3 times a week and has been for years. The only thing that is helped is medical marihuana and pushing herself to remain active. This past year she has had such fatigue she can barely get through the day. She was finally diagnosed with Lymes Disease. With all the other health issues, that escaped diagnosis.


Anyway count your blessings. You will find a great many people on this forum and in life with way worse issues. Also the financial issue may be less than you anticipate. My wife went out on permanent disability in her early 50s. She struggled with severe symptoms for more than 5 years but just could not cope, mainly due to frequent migraines. She got disability insurance and SSDI. Her employer continued contributions to her 403b account. She got a small settlement from one of the insurance companies due to one of the traffic accidents.
jrkliny, Oh now you want to whine about whose situation is worse. Your post is off topic and cheap. I feel sorry for you.
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Old 12-11-2018, 02:25 PM
 
1,981 posts, read 2,731,788 times
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Quote:
Originally Posted by kitty61 View Post
jrkliny, Oh now you want to whine about whose situation is worse. Your post is off topic and cheap. I feel sorry for you.
I'm really curious as to what provoked your post. JRK was simply telling OP that he's not alone and, more than likely, not bad off financially, now and in the future. I said the same thing -- I simply said it a little differently.

I was 'out and about' this morning and feeling a bit down about some things that have happened over the past couple of months. Then I saw a homeless man (a real homeless man), and I started to remember all the things I have to be grateful for. Most of us have a lot to be grateful for, and it's good to remember that every day.
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Old 12-11-2018, 08:33 PM
 
Location: Mexico City (at the moment)
1,345 posts, read 473,472 times
Reputation: 1963
Quote:
Originally Posted by silverkris View Post
So IOW, the quality of retiree services offered by the bases aren't as good as going to other providers with your benefits, is that correct?

.
As a retiree, I found this also to be very much the case. If you live within X miles of a military provider (used to be 50 miles, I am unsure of how far away now), you had to use the military provider.

It was hurry up and wait, even for some more serious issues. Appointment for something routine? Months away sometimes.

Move out of the area, but take Tricare Prime with you? No longer lines than anybody else in the region.
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Old 12-12-2018, 06:28 AM
 
Location: Forests of Maine
30,718 posts, read 49,511,045 times
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Quote:
Originally Posted by snebarekim View Post
As a retiree, I found this also to be very much the case. If you live within X miles of a military provider (used to be 50 miles, I am unsure of how far away now), you had to use the military provider.

It was hurry up and wait, even for some more serious issues. Appointment for something routine? Months away sometimes.

Move out of the area, but take Tricare Prime with you? No longer lines than anybody else in the region.
I have found that as I get older, the healthcare portion of my benefits has become the predominant benefit that I care about.

Immediate access to a wide array of specialists is important to me.
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Old 12-12-2018, 02:55 PM
 
Location: Minnesota
560 posts, read 141,466 times
Reputation: 1674
Quote:
Originally Posted by charlygal View Post
True. OP, I would suggest you make some efforts to increase YOUR income now since you have over a decade to retire. If you increase your salary by $20-$30k, you'll be able to cover the shortfall. You could plan on retiring at 65 or later.

Yes. Just increase your salary by $20-$30k....
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Old 12-12-2018, 03:02 PM
 
2,446 posts, read 2,079,049 times
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Quote:
Originally Posted by jmcahacker View Post
Yes. Just increase your salary by $20-$30k....
Yeah, anyone can do that. Just walk into your bosses office and ask, no problem.
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Old 12-12-2018, 03:35 PM
 
1,981 posts, read 2,731,788 times
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Quote:
Originally Posted by jasperhobbs View Post
Yeah, anyone can do that. Just walk into your bosses office and ask, no problem.
I probably shouldn't laugh at this -- certainly nothing about the OP's current situation is humorous -- but I just read the post you replied to and your reply -- and I'm ROFLOL. I very suddenly pictured myself walking into my manager's office (past manager -- I'm retired), and asking for a $20,000-$30,000/hr. raise (and she was totally a wonderful boss), and I just burst out laughing. I really needed a good laugh today, so thank you.

I wish we had better financial security for retirement/old age. Every single US citizen could retire at 65. We could have free medical care after retirement (free, within reason). Every single US citizen could be guaranteed an annual income of $45,000/yr. (tax free) after retirement (whether we retire because of age or because of health problems). Unfortunately, the sole purpose of the poor and middle class is to make the rich richer. When we can't do that anymore -- the government would just as soon we curl up and die (as quickly and as soon after retirement as possible). NO ONE in The US should have to worry about health care and retirement. I just hate the way it is now -- and I doubt it will ever get any better.

Well my laughter was short lived -- but thanks anyway. ; -)
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Old 12-12-2018, 03:59 PM
 
2,446 posts, read 2,079,049 times
Reputation: 5706
Quote:
Originally Posted by Fran66 View Post
I probably shouldn't laugh at this -- certainly nothing about the OP's current situation is humorous -- but I just read the post you replied to and your reply -- and I'm ROFLOL. I very suddenly pictured myself walking into my manager's office (past manager -- I'm retired), and asking for a $20,000-$30,000/hr. raise (and she was totally a wonderful boss), and I just burst out laughing. I really needed a good laugh today, so thank you.

I wish we had better financial security for retirement/old age. Every single US citizen could retire at 65. We could have free medical care after retirement (free, within reason). Every single US citizen could be guaranteed an annual income of $45,000/yr. (tax free) after retirement (whether we retire because of age or because of health problems). Unfortunately, the sole purpose of the poor and middle class is to make the rich richer. When we can't do that anymore -- the government would just as soon we curl up and die (as quickly and as soon after retirement as possible). NO ONE in The US should have to worry about health care and retirement. I just hate the way it is now -- and I doubt it will ever get any better.

Well my laughter was short lived -- but thanks anyway. ; -)
I know my comment was not to be taken seriously. The only way you can get $20,000 -$30,000 a year more is to acquire in-demand skills that warrant the pay hike.
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Old 12-12-2018, 04:24 PM
 
Location: Silicon Valley, CA
9,876 posts, read 6,635,464 times
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Quote:
Originally Posted by Submariner View Post
I have known military-retirees who place a very high regard for the Auto Hobby shops on-base. I have never really been much of a grease-monkey. Here on my farm, I do most of the work on my tractor. But my cars, go to mechanics.

I know a lot of military-retirees view the Commissary highly. My Dw worked for DECA and she retired from that career. She says that she can get better deals off-base, so I trust her.

I have never held AFEES in very high regard.

Mil-Med; during my 20-year career, [1] I was seen by a MD doctor once at MEPS, [2] at 6 years I was referred to an off-base ophthalmologist to remove a piece of brass that had lodged in the cornea of my eye; [3] at 15 years I was referred to an off-base civilian MD to do an upper GI to look at my duodenal ulcer, [4] and once again during my retirement physical. Otherwise all of my medical care was provided by HM Corpsmen.

I have nothing against HM corpsmen, they have set my broken bones, they have given me stitches, they have delivered my children. But they learn to practice medicine through OJT, whereas MD doctors had to get college degrees.

I have seen HM corpsmen who wanted to perform surgery on me, and I had to go up my chain-of-command to get the HMs to stop from cutting me open. I know that most of the other servicemembers have done okay with HMs cutting of them. But I want my medical to be provided by MD doctors.

Here in this state, I can walk into any doctors office and I will be scheduled to be seen. There is no shortage of hospitals and I can be treated in every one of them.

My Dw has been through a series of heart attacks, each time she has spent a week in a cardiac ward. Her care each time has been provided by MD cardiologists [not HM corpsmen].

I am dealing with prostate cancer. My prostate was removed in 2014 by a surgeon [not a HM corpsman]. This year my cancer returned and I am going to an oncologist, my oncologist is first an MD.

My experiences with our regional Tricare underwriter has been fantastic.

When I first retired, we lived near a Navy base. As a retiree I could not get appointments, Active Duty are the first priority. A few times I went to the Navy hospital, the routine was to put your name on a list and sit there. If a scheduled appointment gets canceled, then they would look at the sign-up list and call in one of the waiting retirees. One time, I waited until after business hours and I was told to stay there, and eventually, the night-shift duty Hm corpsman saw me and stitched me up.

Air Force bases are great for their Space A benefits. I have attended schools that were located on AF bases, and I have enjoyed long conversations with retirees using Space A. That is a wonderful benefit [especially for the officers].
Thank you for explaining the situation in more detail - what's good, what isn't as good, and provider availability. Guess one's mileage and situation will vary.
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Old 12-12-2018, 07:12 PM
 
1,981 posts, read 2,731,788 times
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Quote:
Originally Posted by jasperhobbs View Post
I know my comment was not to be taken seriously. The only way you can get $20,000 -$30,000 a year more is to acquire in-demand skills that warrant the pay hike.
I was pretty sure you weren't serious. It was just your comment, the reply and my 'visualization' that made me laugh. Short-lived that it was. :-)

Life is such a crap shoot. No matter how well we plan, no matter what we do -- even if the government decided to really care about us -- there is no real security. I know and have known so many older people in the past 10+ years who have just had it so rough. The 2008 Crash. The unexpected death of a spouse. H, the fire in Paradise, CA. And the death of a spouse reminds me: husband or wife, be sure to do a budget without the income of the other. I am always amazed at the number of widows and widowers who I know and have known who never did this (had a plan for being alone), and then, when their spouse died, was completely at loose ends.
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