Month: November 2017

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When last we left our hero, he needed to determine the decision date for continuation of his medical insurance. He tried using all the written documentation and the on line information provided.   He learned absolutely nothing about the decision due date. He goes to bed pledging to renew his battle the next day.

Thinking it would be a simple phone call, I call WageWorks, the insurance company, approximately an hour before I needed to depart for a lunch date. I also figure in a quick shower within this hour. After all, I have plenty of time and all I want is a lousy date.

I call WageWorks which goes to a call center that is obviously not in the United States. I explain to the woman that what I need. She immediately puts me on hold. Every few minutes, she checks back with me explaining that she is looking for the answer. I wait patiently, listening to the on hold music which is really bad. I mean it is really really bad. It sounds like a recording of a painfully untalented six year old. Every so once in awhile, the keys are pounded vigorously, and then short but frequent gaps of no music when I imagine the prodigy is trying to find his place on the sheet music, then either a tentative ting on the key or a hammer like pound on the ivories. I put my phone on speaker and renew my own search for the date on line.

After about fifteen minutes of bad piano, the woman returns to the line and explains that she can only help with HSA accounts and that I would need to call my former employer to see how to handle my COBRA account. I reply that my document states I need to contact them. She says only for HSA accounts. My document doesn’t say that. Her command of English deteriorates as our conversation continues. Realizing I am getting nowhere with her and knowing that my old companies call center is in the US, I decide to try them. After all, all I want is a lousy date.

The benefit’s representative asks me for my employee number. I explain that I am no longer an employee. I am calling about COBRA benefits. She says they don’t handle COBRA. I tell her that I was told to call my former employer as WageWorks didn’t have this information. She tries pulling my details through my social security number. Nothing appears on her screen. She explains that she will need to find someone who can help me.

The second woman listens to every painful detail of my story before deciding that she too would be unable to help me. She puts me on hold while she locates someone who can help. I patiently wait. The on hold music, however, is quite tolerable. It is easy listening instrumentals of classic rock that seem to be performed by professional musicians.   In the interim, I received a text message saying that my lunch date needs an additional 15 minutes, which I am glad to have gotten the reminder as I had kind of forgotten about my date. I check the clock. I have about ten minutes before I have to leave. I am already committed to the phone call , so I opt to wait for the representative to return and I will go to my lunch smelly and scruffy.

While I am rearranging my schedule to accommodate this phone call, a third woman comes on line with a strained voice of someone who is about to deliver bad news. I wait. She explains that they have outsourced the Health Insurance elections for Cobra to a company called WageWorks and that I would need to call them. I tell her that WageWorks just told me to call my former employer. She wearily responds, “I know that.” I am frustrated. I tell her all I want is a lousy date. “Can’t you do anything for me?” She sighs. She would like to help but she doesn’t have any of my information. I needed to call WageWorks. Wageworks has all of my information.

Then I remembered that WageWorks indeed has all of my information as I was able to register last night and the system filled in all of the blanks with my name, address, phone number and even my bank’s routing information. Since they were delivered all of this private information with the anticipation of me signing up for benefits, they certainly must be able to help me. I am registered. Armed with this new information I feel ready to tackle WageWorks and get my decision date. Except now I have run out of time and need to leave for lunch. Part of me thinks that this will be easy, it will take one second to get this information. Then, the other part of me, the rational, reality-based Tom realizes that this is not going to take a minute and I decide to tackle this assignment after lunch. I leave unshowered, unshaved and frustrated for lunch.

So after trying for little more than an hour yesterday evening and another hour this morning, I still don’t know when I need to make my decision.

Stay tuned for Part III — the third and final installment.

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All I wanted was a due date.

My Health Care company sent me a 40-page document explaining the big changes in coverage for 2018. One small but important detail was missing from this opus – the date that my decision was due. This date was extremely important because the document stated, in no uncertain terms, that if I missed the closing date that they would make my health plan selection for me.

I was certain the date would be somewhere in the colorful charts and graphs liberally displayed throughout the 40 pages. I mean who writes a 40-page document with constant warnings about the due date and not give the due. I skimmed the document quickly. The decision date was missing. I carefully and slowly reread the document and I found my answer. Wait, that’s not true. I found some wording that pointed to an answer – it said check the WageWorks web site for the closing date with yet another warning about being prompt about my decision or else.

This meant I had to reread the document yet again. Much to my chagrin, I don’t find a website address. I do notice, however, that every time the document had the word WageWorks that it was in a different color print much like if you were reading a document on line. The brightly colored print highlights the hyperlinked words. If I were reading on line, all I would have to do is click the hyperlink. The only problem is I was reading a print document. Clicking on a piece of paper takes me no where. I do try in case I was wrong because I hate when you talk to a help desk person and they snarl something like, “you didn’t try to click on the print document.” And, of course, you feel like a complete idiot when the action you thought was obviously wrong was in fact the right thing to do. You will be happy to know, I was correct. There is no need to click a hyperlink in a print document. It will not send you to the web site.

After taking a fourth look at the document, I surrendered and googled WageWorks. I found the WageWork web address and went  to the site. There was a lot of positive feedback about the company and what it was doing, it’s goals, etc. but I failed to locate a closing date for my medical insurance decision. I am doing this all at midnight so their help desk is closed. I read something that leads me to believe that if I register with WageWorks, everything I ever wanted to know about Wageworks would be then revealed to me. I figure I would have to register eventually so I register. To my shock, it is easy. Wageworks has all of my information. I type in F and Fitzpatrick appears. I type in T and Thomas appears. All I have to do is confirm if they have the correct information. I carry on until I see my bank account number and my banks routing information.

This upsets me. How did they get my banking information? I didn’t give it to them. I never even heard of Wageworks until I opened the document they sent me. I try to close out of the document but they have hidden the little X in the corner that will close you out. After hitting escape and various other keys without luck, I decide what the hell they already have the information. I am not keeping them from anything and I will probably have to register with them and they will need this information anyway. Why not complete the registration and I can talk to them tomorrow and straighten things out. I depress the enter key and voila, I am registered.

Except registering doesn’t give me access to any more information than I had when I was unregistered. The due date is still missing. There is a tab called questions. I depress it. The screen changes but there is no little box where you type your question. Maybe it is hidden in one of the other tabs. I click through them seeing if there is a box for me to type my question or, better yet, a due date for my decision.

I try a different web browser because I have had this problem with a different company and learned that if you change your browser, sometimes everything works as designed. Which is annoying and I brought this up to the help desk person who offered this solution. “How am I supposed to know which browser I should be using?” She cheerfully replied, “Oh you can’t.” I pointed out that her company’s preferred solution in handling this known problem was to wait for the customer to become so frustrated and angry that they are forced to seek assistance from the help desk. She cheerfully informed me that this problem had been escalated to the highest level of the company and that we should expect a solution any day.

I could go on about this customer service problem but I digress from the customer service I was original talking about. I don’t want to be confusing. Really, I don’t. Any way, I try a different browser. Complete and utter failure. I can’t see a due date and I can’t find a question box. At this point, I surrender. I realize I am going to have to contact them in the morning. Except that I am wired now and I can’t get to sleep. I am grinding my teeth and imagining the pithy statements I will be making tomorrow once I finally reach a person who can take me out of this Hell. Or not.

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In reaction to yesterday’s shooting in Texas, Donald Trump stated that this was a mental health issue and not a gun access issue. Well yes it is actually a mental health issue. If you gave a loaded gun to most sane people, they can be trusted to use it responsibly.   It really is a small dangerous few that are causing all the problems. Given that there are new slaughters of innocent people at the hands of these mad men, it would be a good idea if we could act quickly to stop the carnage. Clearly restricting access to guns isn’t going to happen. The second amendment to the Constitution established the right to bear arms. Even if it were possible to change the Second Amendment, which I strongly doubt, it would take years to change.

This leaves us with Donald Trump’s assertion that this is a mental health issue. I know that this is a little outside the box but perhaps Trump is on to something. Honestly, I really don’t want to take guns away from law-abiding citizens, and, if it is as Trump says, a mental health issue, I wanted to protect Americans from the criminally insane. Let’s make mental health a civic responsibility. If you are prone to be criminally insane then it is best for everyone, including the criminally insane, if they were off the streets and under protective medical care. Of course, we would need to change some laws but as long as they didn’t infringe on the second amendment, I am sure Trump and the Republicans could muster the will to get them through Congress. For example, once a year every American adult over the age of 18 must get a certification of sanity. If the person passes, then the process ends until the following year. If the person fails, then he would have to go through further psychiatric evaluations up to and including incarceration if psychiatric professionals deemed the individual criminally insane.

The advantages of such a system are so great that I am almost giddy from thinking about them all. I mean the unintended consequences alone make this project worthy of consideration. You heard me the unintended consequences make this a great idea. I mean, since everyone must get a psychiatric check up, we might get ahead of other run of the mill mental health problems like depression. Instead of waiting for a complete mental breakdown, like we do now, we might catch some of these conditions before they get out of hand. Also imagine the new data we would have on mental health. We would have the full range of the sanity scale from completely sane to totally out of their fucking mind and all the variations in between. This again would give us more information about everyone and we would better act as a community in stopping both the criminally insane and preventing your standard every day breakdown.

And let’s not take our eye off of the ball here. What we really want to do is stop mass shootings. If the psychological professional can determine these dangerous propensities before hand, we hopefully could stop shootings from ever taking place in the first place. Instead of police shooting and killing the mentally ill man who acquired guns and is running amok in a crowded mall. We can just take them off the street before they snap.

I know you are going to say. This sounds good and though I agree that this is a much better alternate than taking away law-abiding citizens right to bear arms but can we really afford this? And here is the beauty it will practically pay for itself. First, once people start coming in for their yearly examinations, there should be less mental health issues as we would begin to treat them before they got out of hand. We should see a significant reduction of urgent health care costs and move to the less expansive managed health care costs. Since more of mental health issues will be managed, there also will be a drop in time taken from work for mental health days, so productivity will go up. There will be less damage to public buildings and private property because fewer people will be shooting up public spaces. Since more people will be managing their mental health through medication, the pharmaceutical companies will be booming. There would be a need for more pharmacists and more psychiatrists so those professions should see an increase in their ranks. Best of all, the economic boom would be evenly divided throughout the country as every person in every state would need their sanities verified. And don’t get me started about the trickle down effect. It is a win win idea.

I agree with Trump completely on this. Let’s address this as a mental health problem. If it is a mental health problem then we need to hold him to coming up with a mental health solution because gun violence is now a mental health crisis.

 

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When Americans talk about our national history, we tend to emphasize the positive. We like to talk about immigrants yearning to be free. It is a compelling national story which gives Americans a sense of pride in the nation we have built. Our history highlights our exceptionalism. The conversation grinds to halt however when we talk about the big divisive issue in American History – the Civil War and the racism that supported the institution of slavery. This is all rather unpleasant and difficult.

In the past few years, people have even tried to reframe the American Civil War. They say that most Confederate soldiers did not own slaves, how could they be fighting for slavery when they didn’t own slaves? That had to be motivated by something other than slavery, something nobler. Or the rebels fought for states rights not the continuation of slavery. What upset southerners was the imposition of northern ideas on the South. We are told that Robert E. Lee hated slavery, so he fought for the South because he loved his home state of Virginia and could not fight his neighbors. The South’s struggle, in other words, had nothing to do with slavery and therefore racism need not be considered either when looking at the war.

More importantly, it saves us from thinking that our ancestors are racists. Making slavery irrelevant to the Civil War obfuscates the real causes of the conflict and makes the southerner’s position sound almost noble. It was just a dispute between two groups about how a democracy should function. One group believed that the Federal Government takes precedence over the State Government, the other side believed the opposite. After all, we still are debating the role of the Federal Government in American life today.

Except that it isn’t the truth. The truth, however, is pretty horrible and that is why people prefer to downplay the importance of slavery in the war. Because if slavery becomes the cause of the Civil War, then our ancestors are responsible for some pretty horrible things. What is slavery? Why did people want slaves? Why were black people made slaves and not white people? Why did white people think they could black people slaves?

Even now when we do learn about slavery, we learn about in the passive voice. Slaves were brought to USA. But exactly who brought African blacks to the USA? Who made them slaves? Who bought and sold them? Slavery and racism happened to blacks as opposed to someone imposing it on them. We use this passive voice because it is difficult to explain the ugly truth. White people brought African blacks to this country against their will for the purpose of slavery. The vast majority of white people in the south thought they were superior to blacks and that this gave them the right to use blacks as slaves. In 1860, white southerners thought that Lincoln would abolish slavery so they risked civil war to prevent him from taking away what they viewed as their property. Following the Civil War, when southern whites regained control of their state governments, Jim Crow laws were set up which created laws that blocked blacks from education, housing, jobs, voting and ultimately justice. While blacks gained full civil rights in 1965, whites resisted these new laws and continued enforcing Jim Crow laws on an informal basis well into the 21st century. Blacks had to use the courts to force whites into complying with the new civil rights laws.

Racism didn’t just appear out of nowhere. It was created to defend whites owning slaves. This is why white people bear the burden of changing a racist society. Yes, there may be racist blacks but blacks have never held power over whites. And by power I mean the power to force whites to provide unpaid labor, to stop them from living in certain areas, to stop them from voting. Whites have done all of these things. You may argue – this is still unfair. Not all white people participated in slavery and Jim Crow. Yes but they did stand by when other white people did. Just because you weren’t a part of the lynch mob doesn’t exonerate your actions when you know who was in the lynch mob.

It is completely understandable why white people find it difficult to talk about slavery. It is embarrassing. Our ancestors were horrible. If white’s were to face up to this history, they would realize that, at best, their ancestors watched injustice go on for years without lifting a finger to stop it, and, at worst, were wrapping a rope around a tree. How do you explain this in school to students in a white majority nation? What would the students think about their history? Their ancestors? We can only change what we can face and it is time to face the ugly actions of our ancestors and move forward.