DAISYBELL6   112,149
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Layoff or Early Retirement?

Monday, August 30, 2010

Many of you know that I have been planning to retire on November 11th. Actually looking forward to it. Well today that plan hit a glitch. I was laid off. Wow! What a shock. I am not unhappy about stopping work. I am ready to retire. But to be told "We have to lay you off" is a different story entirely. First of all I didn't plan it this way. I'm not ready yet. It's not my plan. Secondly to be laid off feels like I'm not needed any more, not useful. It doesn't feel good. So I have tons of mixed emotions floating around my head. The main issue is that I will be left without health insurance for 2 months until I can get Medicare. I know it is unlikely that something bad will happen during that 2 months but it is very scary. Also, my husband has dental surgery scheduled for November but now we have lost his dental insurance. They have already removed his tooth in preparation for the implant so we have to go ahead with the surgery but now we have to pay for it all. Quite a bundle of money. Oh well. There is nothing I can do about it.

My DH is happy I will be home with him now and I am too, I'm just not ready. But, I promise I will work on being ready.

One decision I have made is that I choose NOT to eat over this. We went out to dinner and I made very conscious choices. I enjoyed a delightful tilapia meal with a bite of DH's chocolate cake and don't feel guilty at all.

Life is good and I will work thru this.

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  Member Comments About This Blog Post:

BADASSBLONDIE 8/31/2010 7:43PM

    I'm sorry to hear about this. *hugs* Great job not eating through it, though!!!

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CARLANNIE 8/31/2010 9:45AM

    You are just working on Plan B now! I was going to suggest the Cobra options, as many have already done. Definitely worth checking out. I think you and your hubby should throw a Retirement Party for yourself, and forget about the 'lay off'. Enjoy the fall. WTG on maintaining your eating discipline, and YEAH for bites of chocolate cake.

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MONARCHCT 8/31/2010 9:44AM

    Sorry about your layoff. Such a difference between "them" choosing to end it rather than by your choice. One thing I learned about our Cobra option was that we had 60 or 90 days to decide. We could wait till the end, then choose to take it & pay for the lapsed months. So I scheduled a new health policy for the end of the option period. If there were no crises during the lapse, then it was okay to be uninsured. If there had been an issue, I would have then signed on to the Cobra plan. Check your options on this as I am not sure they are all the same.

P.S. For us, the Cobra was way more expensive than for the Major Medical plan we chose...but it also covered a lot more.

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CALGALFOX 8/31/2010 9:40AM

    LOL - These guys are waaay ahead of me. I was going to post about COBRA and unemployment, etc and they all beat me to it. Make sure you understand your options thoroughly. If your company has an HR department, go sit and talk to them about your options. If it's a small company and you have more questions, you are welcome to email me.

Carol

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JACKSMIMI2 8/31/2010 5:34AM

    I am so sorry that this has happened...but please be sure to ask your company about enrolling in COBRA for your medical insurance (ours even covers dental and vision)...if your employer has more than 20 employees, they have to offer it... And if they don't include your dental insurance, you may be able to explain that your husband is mid-procedure and they may allow you to pay your premiums directly to them for the next 2 1/2 months.

Also, please don't think of being laid-off as not being wanted. I work in HR and hear this from friends and neighbors(not from our ee's b/c we have been very lucky in this economy) but I have worked in companies where we had to make these choices. It's truly agonizing. Being laid-off usually has nothing to do with whether or not someone is needed...but has everything to do with whether or not your company can continue to meet payroll and other expenses.

I'm glad you've chosen to maintain your healthy lifestyle through this...and my thoughts and prayers will be with you!

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HINOTO 8/31/2010 3:51AM

    I'm really sorry that you got let go, that can't feel good at all! emoticon

Hopefully everything else that you are worried about will fall into place for you though. Things just seem to have a way of doing that!

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KOFFEENUT 8/30/2010 11:22PM

    I know it feels entirely different when you're laid off, even though you were planning to retire. They likely took the "easy" path of laying off someone they knew was planning to leave anyway. On the plus side for you:

1) You should be eligible for unemployment. Take it!

2) You are eligible for COBRA. You can take WHATEVER portion of your medical/dental insurance you want to take (for example, if they offer separate dental insurance you can take only that, and only on your husband if you want). Talk to your old Benefits or HR department. They should be able to tell you your options.

3) You will get to enjoy the BEAUTIFUL Colorado fall!!!!

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RURAL3 8/30/2010 11:11PM

    can you collect unemployment until then? And I bet you just finished training that replacement. But God has a plan for us all and I did keep hearing you say you wanted to go early. Just not this way. What about COBRA? Will tht keep your DHs dental or is that way too expensive. I know it cost a lot. I will be praying that you can work out all those details and ENJOY your early retirement. emoticon

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LOULOUBELLE2 8/30/2010 11:08PM

    Oh my, I can just imagine what a shock that was for you. I know you have been looking forward to Nov 11, but I understand how you must feel. As far as that Dental work goes, boy do I hear you.....What I am doing is draining us quite a bit as we don't have dental ins. So I feel for you more than you know.
Keep a stiff upper lip, have faith that God is working in your life for reasons unknown at this time.
As far as Tilapia goes, that's my favorite...I love it at Applebees, even like to cook it at home...tried some last night, but can't gum it yet.
I'm here for you if you need to talk.....
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AELARLEE1 8/30/2010 10:59PM

    So, so sorry -- but as you say, you will make this work. Seems like my life has been full of "unexpected" things, not all pleasant for sure. But you are right, food won't make that better.

Hang in there!!

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DEE107 8/30/2010 10:56PM

    oh my thats a shame to be laid off before you retired hmmmmm know you will get thru it all Hugs

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AMBUDMAN 8/30/2010 10:40PM

    Just remember, things happen for a reason. sometimes it takes awhile but we figure out why!!!! Think positive and you will be okay. emoticon
Gretchen

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SIXTEES 8/30/2010 10:16PM

    Yes, I hear from more and more people who are getting laid off with only a few years to go. It's NOT a good feeling. Your described it just right. Feeling unneeded.
My husband was laid off after 20 years - he is only 59 - and having a very hard time finding something. I'm trying to move from part-time to full-time to ward off having to touch our 401Ks. We'll make it - but for some people it's not at all easy if they still have credit card debt etc.
Congratulations for your great weight loss - it's nice to see all these successes here on Sparkpeople - I'm always inspired when I see someone close to my age losing weight. It is not impossible as some say.
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My First 12 mile Bike Ride

Sunday, August 29, 2010

I've been riding my bike 1 or 2 days a week this summer. The most I have ever gone is 8 miles! Today I pushed it and rode 12 miles. It took me 1 1/2 hours but I had a blast. I took the St. Vrain Greenway trail beside the creek and thru open space to a place called Sandstone Ranch. I started out just after dawn and it was absolutely beautiful. By the time I started back I needed to take off my long pants and get down to my biking shorts and roll up the sleeves of my sweatshirt. The sun was up and it was warm. So many people were out biking, walking and running. I felt great to be up and active early on a Sunday morning.

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  Member Comments About This Blog Post:

RURAL3 8/30/2010 11:12PM

    emoticon emoticon Nancy


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CARRIE1948 8/30/2010 8:16AM

    Good for you

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THEHERDLADY 8/29/2010 11:14PM

    Good for you! I do 9 miles pretty regular. Tonight I went for a ride with my Granddaughter who is 18. She found out it wasn't all that easy to keep up with Grams. LOL Have fun. I love to ride. emoticon

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GRAZINGRASS 8/29/2010 9:00PM

  congratulations! We had our first trip out to Colorado this summer and Hiked ALOT. We bike at home on the weekend and were impressed by how many trails and how many people bike around Colorado. Enjoy- it doesn't feel like exercise when you are having fun doing it.

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HINOTO 8/29/2010 7:46PM

    Woo! Good Job!!!! I can't wait until I can afford a bike of my own, we have some really nice trails to ride around here!

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AELARLEE1 8/29/2010 7:12PM

    SO excited for you!! I want a bike!! I don't have one, but this is the next thing I want to add to my exercises. Your ride sounds so peaceful and wonderful and scenic.

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DDOORN 8/29/2010 5:38PM

    I hear Colorado is BIGTIME biking territory!

Great to see you upping your miles...! I'll warn you though, this can become HIGHLY ADDICTIVE! :-)

Don

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PLAYBLUES22 8/29/2010 3:31PM

    I love tosee the people runnin, jogging, walking,rollerblading, and biking along our trails which are breath taking

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MEREDIE02 8/29/2010 1:35PM

    Nice! I love to see other people out and about when I'm exercising.

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OURELEE1 8/29/2010 12:12PM

  You have such a beautiful place to ride. The miles must go by fast. Have fun.

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ANNFAUSNIGHT 8/29/2010 11:53AM

    Good for you! You made me want to try it.

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Northern Colorado SP Team Aug 2010 Meetup

Saturday, August 28, 2010



JRWHIMSEY, HINOTO, DAISYBELL6

Well, all 3 of us met and had a great walk around Golden Ponds. Got to chat and burn those calories on a beautiful summer day walking toward the Rockies and around 3 small lakes. Really enjoyed getting to know JRWHIMSEY AND HINOTO better. Can't wait to do it again.

  
  Member Comments About This Blog Post:

CARLANNIE 8/29/2010 9:14AM

    Fun, fun!

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HINOTO 8/28/2010 10:46PM

    Yay! It was a blast hangin' out with ya Nancy! I can't wait to hike or walk with ya again! :D

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AELARLEE1 8/28/2010 5:58PM

    This is wonderful! I am so glad you all got together. How fun! Go sparkers!!

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KOFFEENUT 8/28/2010 2:11PM

    How cool is this?!? Looks like you guys had a GREAT time!

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Practicing Again

Friday, August 27, 2010

Next week we are having new carpeting put in throughout the house so this weekend DH and I are not going up to the cabin. So this morning I got up early, Sparked, went on a fantastic dawn bicycle ride along the St. Vrain river (?) as the sun was rising--boy it was beautiful. While DH went on his usual morning walk with his friend, I went to the Rec Center and did my strength training on the machines--great workout! When I got back we showered and now we are packing up all the breakables, books, etc in our offices, living room and bedrooms to be ready for the carpet layers to move the furniture on Monday. We have been in this house for 12 years....boy, do we have a lot of junk..I mean stuff! I am taking a break while DH goes to get more packing boxes, then we'll have lunch and get back to work.

I think this is good practice for retirement. I get to do my workouts when and for how long I want to without rushing, DH and I get to coordinate our schedules so we can spend time together, and I get to eat and rest when I want not when the boss says.

I love it!!!!!

10 more weeks ( If I were counting) emoticon

  
  Member Comments About This Blog Post:

RURAL3 8/28/2010 11:18PM

    You are getting so close to retirement Nancy. It will be here before you know it and you won't have to practice anymore. emoticon

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KOFFEENUT 8/27/2010 10:54PM

    VERY close to single digits on that countdown.....if you were counting, of course....!

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LOULOUBELLE2 8/27/2010 6:49PM

    Yep, your right, "good stuff" can accumulate in huge amounts with out us even noticing it.
What a great way to practice for retirement. You going to have a celebration party for your retirement, or maybe plan a get away? I hope you do something as a reward for all the years of hard work you have put in.
If your going to the "Meet Up", have fun and give everyone a hug for me.

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JRSWHIMSY 8/27/2010 5:25PM

    At least hubby can't get annoyed with you skipping the cabin for our meet-up ;o)

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CARLANNIE 8/27/2010 4:52PM

    It's amazing how the 'stuff' accumulates. I don't throw good things away, so a couple of times a year, I need to go through and sort out for the thrift shop. I am at that point right now - can't get anything else in any of my cupboards/closets. New carpeting is a great motivator for sorting!

Not counting the days, eh????

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AELARLEE1 8/27/2010 1:43PM

    Wow, I am so excited for you! To have the time -- to have time! I can't even imagine. -- Last weekend I did a big clean-out in one room and it felt really, really good! Hope you get to enjoy this packing stuff.


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Great Weekend

Sunday, August 22, 2010

I had a wonderful weekend. Friday night I had a friend spend the night so we could do a day hike in Rocky Mountain National Park. We had a great hike to Fern Falls. It took 3 hours and was absolutely beautiful Lots of wild flowers. Even saw a moose drinking from a stream. According to my heart rate monitor I burned over 2000 calories. Saturday I was back to 190 pounds after gaining 3 with my slip last week.

When we got home she made a fantastic grouper with a tomato basil mixture on top. I roasted beets and we had 100% whole wheat bread and a vegetable salad. Yum yum!

This morning I hiked Round Mountain with 2 Spark friendsJRWhimsey and Hinoto. Again, the day was beautiful and the company grand!

I napped when I got home, then made brown rice and beans (separately) in my pressure cooker and I sautéed the beet greens from yesterday with a Spark recipe. It was delicious.

Now I'm going to walk the dog and spend the rest of the evening watching TV.

Being without DH for a week has been better than I anticipated!

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  Member Comments About This Blog Post:

THINRONNA 8/26/2010 4:58PM

    Wow! What a wonderful weekend! I love that you saw a moose and the food sounds lovely and so healthy!

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ASPENHUGGER 8/25/2010 12:50PM

    This sounds wonderful! I need to get more hiking, and more mountain time in my life! How great for you that you got to spend such quality time with your friend!

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CARLANNIE 8/23/2010 10:06AM

    Glorious weekend, good fitness, tasty foods, great friends! You may want your husband to venture away more often!

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ENUFF81020 8/23/2010 1:01AM

    Wow, Daisybell--You really had an awesome weekend. You ate well and had fun while getting activity in. Nobody could even want anymore. Maybe if you have photos of some of these lovely places, you could share them too.
I'm glad for you--you had these great opportunities and took them. Way to go!!
Gentle hugs,
Sylvia

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RURAL3 8/22/2010 11:14PM

    Nancy, what a wonderful way to spend your time. You rock!

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AELARLEE1 8/22/2010 10:40PM

    That does sound like a great weekend! The meals sound so wonderfully healthy, delicious, and colorful!

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