Hubs has been cleared to return to work!
It wasn’t easy, but Hubs has received all the needed paperwork to return to work on Monday. His immediate supervisor had told him all that was needed was a return slip from his doctor. Human resources, however, had a different idea. Today Hubs scrambled to have the doctor’s office fill out umpteen amounts of paperwork, fax it to his employer, and get the final okay from HR saying he was good to go. Fridays are seldom good days for handling such matters, so I’m thankful he managed to get it done.
We also got the ball rolling on the little bit of disability pay Hubs will receive for his time off. The insurance isn’t much and became even less because the doctor’s office wouldn’t backdate his disability to when he received the diagnosis. No surprise, but I had hoped that they would have at least backdated it to when Hubs met with the surgeon. Alas, they used his date of surgery. We probably could have argued it, but that may have delayed getting the okay to return which would then have cost us even more in the way of lost wages. With the date given, we will be lucky if it covers our benefits. Hubs has both short and long-term disability paid by his company, and we do pay for additional long-term. Doing so with the short-term didn’t make mathematical sense, so we skipped buying the extra. At this point, I am thankful for any amount we will receive.
Aside from Hub’s health, a huge concern of mine had been paying December’s mortgage payment. Between what remains in our savings and checking accounts, combined what I earn, I figured we could handle the other bills. With Hubs return to work on Monday, his check should be enough to take care of the house payment. If need be, we can always use the 15 day grace period, although I’d rather avoid doing so. Again, I am thankful that we will have checks coming in to cover our bills.
As for medical bills, today we received the first of many statements to come from our insurance company. We owe $189 to the outpatient clinic and $199 to the hospital for the ultrasound. The clinic isn’t directly associated with the hospital so we will foot that bill when it comes but it does count towards our deductible. I’ll likely be calling the hospital and ask them to add the $199 to our interest-free payment plan. My hope is that they will eventually offer us a discount for paying it off like they did when I broke my ankle two years ago. I’m not sure about the surgeon’s portion, but we will figure that out when the bill is received. Again, thankfully, the most we are responsible for is $4k. Our insurance pays 100% after we meet that, which we most certainly will.
Although I prefer to remain positive since being negative won’t get us anywhere, I can’t help but think we are way too old for our finances to be this tight. Still, I remain thankful that we did start this journey to get out of debt and also for the progress we have made. Just a year ago, we would have been far worse off. If I needed another reason to keep pushing (I honestly didn’t!) this experience most certainly has given me one!
Today I am thankful for today!