BarbDahl77
Really.Bad.Day.
May 05, 2010
I don't know why I am surprised...Or why I even let it bother me for that matter...
I already pretty much knew the answer before the question was asked anyway...
I had called my 401k company last Friday and the rep told me that it appeared that there was no loan or hardship clause on our accounts. She thought this was strange, but possible, and advised that I double check with the person who oversees our accounts to verify if this information is correct. Well this morning I emailed the head of HR [umm, no offense to any HR people, but in my experiences HR people are about as useful as dog poop on the bottom of your shoe...] and well that kinda was a waste of my time. Not even two minutes later I received an email back that said that the rep did provide me with correct information and that the only way that an employee could access funds in their accounts was if 1. they were of retirement age or 2. they resigned from the company. I have to say option two is starting to look more and more appealing EVERY.FREAKING.DAY. I really am getting tired of working for a company that
's on its employees at every single turn. These scumbags don't give an inch anymore. I have worked for my company for nine years. When I started back in the day, it was a fairly* decent place to work, and considering it was my first "real" job it worked. I should have realized and been smart enough to get out of dodge when was hired at one dollar amount, and then three weeks later they were hiring people to do the same job that I was at a full dollar hire. And no, I was never compensated, or brought up to scale. But that manager was a bit of a bitch and had control issues.
The thought of changing jobs bites. I like 95% of my job. I've made a few really good friends over the years and I enjoy working with them. I know I'll still be friends with them when I leave. The problem is I just got to comfortable. It was convenient. The problem is, I am still comfortable and it is still way convenient, but it is getting to the point that there just really is not benefit in the job anymore. Virtually usless medical insurance. $2,000 deductible and then a $2,000 co-pay. Yeah, that $4,000 I had to pay out of pocket. At least with the insurance we had last year, it was the $4,000 then you were 'fully covered'. A brief benefits summary I was looking at the other day gives the impression that once you meet your $4,000 OOP, services are only covered at 80%. And all this is is only for in-network providers. Out of network providers is $8,000 out of pocket. And any type of weight loss surgery is excluded. But smoking cessation help is included.
I guess I shouldn't feel so bad. I was talking to a friend of mine this afternoon and told her that we can't touch of money, even in the event of like an emergency. And she said she knew. She said she said that last week she had contacted the 401k company because she needs to get a a new [used] car because her car is kinda on its last legs and she hit the same brick wall I did. At least she does real estate and she may* have a deal closing soon, so she may be coming into some money by July. Hopefully her car will hold out that long!
Needless to say, my form to change my 401k election is all filled out and ready to go! I would have turned it in today, but um, like I said HR is a bunch of dinks, especially the guy in my office. He would lose it and I'd be screwed until September...
Oh well, back to the drawing board...
I had planned on calling my surgeons office back today and inquiring about financing. I had receive a followup type call from them during the last week of March. I wasn't in the mood, emotionally, to deal with the surgery I can't have people, so I didn't answer. Then I had an upper respiratory infection for two weeks. Then I called last week and the woman who called me was on vacation. After all that
this morning I was to upset, to angry, to depressed, to frustrated, to 
to call and speak with someone and try to [hope to] remain rational and 'together'. Hopefully I can do that tomorrow. Today was just a struggle to stay the full day at work...
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About Me
Poughkeepsie, NY
Location
31.7
BMI
Surgery
09/16/2014
Surgery Date
Apr 26, 2008
Member Since
