Category Archives: Multiple Sclerosis

Send in the Clowns…..Don’t Bother, They’re Here

I’m thinking about asking the wheelchair repair guy if he wants to do a comedy act together.

Before I left the country for 2 weeks, I called the wheelchair repair guy (let’s call him Mike, well, because that’s his name).

“Mike,” I said, “the wheel on my brother-in-law’s chair is torn to shreds. It makes the chair bump around like he’s driving the post-Apocalyptic pothole roads from the Winter of 2015. And he’s inside….on carpet. Please get it fixed ASAP.”

“Okay,” said Mike.

The problem here is, I believed him. I knew it would be fixed, eventually.  I just hoped that with a two week lead and a few well placed reminders by my assistant, it might be close to being done when I returned.

Mike obviously spent the time shopping for a big red nose.

When I noticed my brother-in-law bumping down the hallway on my return. I sighed that exasperated sigh that we all save for just such an occasion. My exasperated assistant let me know that she even contacted Mike with the very complicated schedule of when the chair was in use or my brother-in-law was resting in bed. This was due to the fact that Mike reminded her, no one can be in the wheelchair when it is being repaired. There was even a nice little 4 day period where BIL was in the hospital, so no one was using the chair. My assistant gave that little nugget to Mike as a bonus, if he wanted to send his guy over there at ANY time of the day or night.

I called 15, 16, 18, 19 and 21 days after my first call to find out why oh why, Magic Mike can you not get your sh*&%t together and get this chair repaired? Are you practicing your own comedy routine? Are you shaping up your abs for your next film role? What is so damn important that it takes 21 days to get someone out to fix this one little wheel?

“Hello, Cathy?”

“Hi, MIke, is the chair finally fixed? You said someone would do it on Monday or Tuesday and now it is Wednesday.”

Faster than Mike. Smarter too.
Faster than Mike. Smarter too.

“Oh, no, someone has to look at the chair first, determine what parts are needed, get insurance company approval, and then physician approval.”

We’ve gone from a comedy routine to a cartoon, as steam is now exploding out both my ears.

“So all those times you said you couldn’t come because he couldn’t be in the chair, was so that you could just look at it? Let me ask you something. Couldn’t someone just look at  the chair even if he is in it?”

“Well, I guess so. But you said he was in the hospital.” How this even makes sense, I don’t know. But I’m pretty sure “Who is on first.”

“Mike, we don’t let the chair go to the hospital with my brother-in-law. The chair has proven it doesn’t know how to behave itself in public places, so when he goes to the hospital we make the chair stay home, by itself. That’s why every time he goes to the hospital, we call you to let you know no one will be in the chair for days.”

“Oh. Well, we looked at it so it will get repaired when all the approvals come in.”

Twenty-one days to look at it. I wonder if I can start sexting pictures of the wheelchair in compromising positions when I need it repaired in the future, so that Mike can definitely say they looked at it?

“You Just have to Laugh………..”

© Cathy Sikorski 2015

 

Something’s Fishy……….

Two years ago, my brother-in-law’s son purchased a fish tank as a gift for his Dad. My BIL had built a very elaborate fish tank in the home he had long ago shared with my sister. He really loved that fish tank. I do believe it gave him hours of joy. But when he moved and as he became wheelchair bound with Multiple Sclerosis, a fish tank was out of the question. It was just not feasible for him to take care of it the way he would like to, or be able to buy the fish he wanted.

Fishtank fish just don’t live very long. And my BIL likes to buy a variety of fish and tank creatures to populate the roost. So it would have been more of a burden than a joy.

But this gift from his son truly came from the right place. He knew how much his Dad would love this treat. What he didn’t know was how in God’s name any one was going to take care of it.

This is where I turn into the caregiver from hell. This is where caregivers do things they regret, but not really.

I took the young buck aside and said, “I know you live more than an hour away, but you have to be responsible to take care of this. I cannot take on a fish tank. It’s like a puppy to me. I just can’t put one more thing on my plate.”

He just looked at me and nodded, telling me not to worry,

sushi-190565_1280Really? Not worry? This made me so nuts, that all I could think of was, this may turn into a sushi buffet for my BIL, because I am NOT taking care of these damn fish.

The son came pretty regularly for about a year. The following year, my brother-in-law was and has been in and out of rehab and the hospital for almost the entire  year. Those fish were on their own. Again, or so I thought.

But the one thing I didn’t consider or count on was that my BIL’s caregivers, those blessed women and occasional man who come to get him ready for the day and tuck him in sweetly at night were angel(fish) in disguise.

angelfish-24669_1280angel-8186_1280

Every once in a while, over the months, I would get a text from one of the caregivers that I should not worry as they were taking care of the fish. Like I was worrying. Things that float are things that flush as far as I’m concerned. I know this is not animal PC, but I just could not and cannot go a half hour or an hour in a different direction every day to check out a gold fish.

So again, the caregivers who are in the building every day for other patients, not my BIL, take a minute to feed, clean and funeral direct, if necessary.

I am really, really grateful. Not in the ,”wow, I should take care of the fish, ’cause it makes him happy” kind of grateful. More the “I’m hopeful that he will know, he’s got good people in his world and sometimes it ain’t me …….” kind of grateful.

“You Just have to Laugh………..”

©2015 Cathy Sikorski

The best laid plans……………

I have literally spent more than 10 hours (probably more like 20) trying to figure out what new Medicare insurance plan to choose for my brother-in-law. He currently pays for his insurance through his former employer. They have chosen to get out of the business of supplying insurance carriers for their retirees, so by the end of May, all retirees have to choose a new Medicare Plan.

When I first got the booklet for this, I was sure it was a scam. These Medicare Insurance companies that ‘help’ you choose a plan are suspect to me. But I called his employer. All I wanted to know is if it was a scam. I didn’t want any specific information about my BIL or his account as a retiree.

I had to jump through a billion hoops (this is not included in the 10 hours above), prove my POA status, give them all my BIL’s vital statistics and THEN, they needed a PIN number. Somehow, the one I had was expired. So I asked for a new PIN which had to be snail-mailed to me.  I finally convinced the representative to at least just tell me if the Medicare company was a scam. She relented and said no, it was not a scam….but that was ALL she was going to tell me until I got my new pin number.

business-19156_1280Already, I’m exhausted. But I push forward. I go on the website. I enter every medication, every doctor and all the vital stats. Two hours later, they give me a proposal of 18 Medigap policies to compare with 26 Medicare Advantage policies and 20 Medicare Part D Prescription Drug Plans to add to the comparison. For those of you who may struggle with math, that is 64 plans I should look at to compare and contrast to choose the best one for my BIL. And choose, I must, because as of May 31, 2015, they will automatically cancel his current insurance.

This got me thinking, What if this information was sent to my BIL and he had no one to help him wade through it? First of all, it’s a website. There are  in fact, still some people, many of the  Medicare Age Variety who are not computer savvy, hell, who don’t even have a computer. Yes, snobby Medicare helpers, everyone on the planet doesn’t have a computer. Now my BIL is very computer savvy, but he can’t really type anymore.
And he doesn’t really read anymore, because comprehension and retention elude him often. And he for sure, isn’t going to decide to read through Medicare plans as a fun hobby.

I am considered an expert in this field of Elder Law issues, including Medicare Insurance. And I completely UNDERSTAND what I’m reading. I am expected to find the nuances and loopholes in 64 different plans that best serves my BIL. And even I find this daunting.

And once I choose I am in a quandary. This special circumstance where they are cancelling his policy is considered an opportunity for open enrollment with no underwriting. In other words, nobody is looking at the fact that he has a myriad of health issues which would kick him out of any health insurance otherwise. So once I’m there, I’m never going to be able to leave without a problem.

My point is this. I’m exhausted. My severly disabled BIL, on his own would have probably missed this whole need to do this and be without health insurance. How many retirees from this major Fortune 500 company are struggling with this project? Even though it’s a great website and the advisors are pretty good at their job…I KNOW WHAT I’M DOING, AND IT’S STRESSING ME OUT.  The choosing is a nightmare.

I know, three months from now I’m going to hear from the new insurance company that Oh that’s not covered, oh that has a huge copay, oh he can’t have that NEW drug that he wasn’t on when you chose this plan.

The only thing that makes me laugh now is laughter of relief. But don’t worry, I’m plotting revenge somehow and you will be the first to know!

“You just have to Laugh…..”

© 2015 Cathy Sikorski

Winner, winner, Jack Daniels for dinner? If only…………..

The beauty of sharing a sense of humor with the one you are caregiving for is beyond measure.

My brother-in-law has been in and out of rehab and the hospital for 8 months now. It has been a rocky road……and not sweet, like the ice cream. But he has turned a miraculous corner and although, still in rehab for a few more weeks, I have confidence that he will finally be returning home and will be relatively healthy for a good long time.

Since he has come so far, he is finally taking an interest in his daily life and activities that eluded him while desperately trying to get healthy. And he’s funny again. He is entertaining his healthcare workers, and any one else who walks in the door, which, of course, I love.

On my trek to see him yesterday, I took my Mom and husband as we were then going to have dinner with a friend who lives close by the rehab center. It takes us an hour to get there, so we decided to take advantage of being in our friend’s neck of the woods.

A half hour before we left, there appeared some calls and one message on my cell phone from the rehab center. The nurse stated that my BIL had a few lab work issues, but if I didn’t get back to her today, we could discuss it tomorrow. As I was on my way down there to see him, I thought: Okay, no big deal. I did return her call, but she was gone for the day.

When we arrived at his room, his bed was stripped and  his wheelchair was empty. That is always a panic button for any caregiver. Where the hell is my brother-in-law????? At the nurses’ station, the nurse tells me that they sent him to the ER because his hemaglobin was so low, he might need a transfusion.

“You couldn’t leave a message that he’s at the hospital, that I just passed on the way here, so I could stop there first?”

No answer.

Off we go to the ER and they usher us into his room. There he is joking with the nurses, and, feeling relieved that he seems okay, I say, “well, yet another hospital we get to check out. Whoopee!”

This is how I know he’s ever so much better overall: “Well at least, it’s  not a Friday night!” he says.

Classically, for the last 8 months, we have gone to the hospital without fail on a Friday night. I told him my husband was getting jealous of our date nights.

jack-daniels-551052_1280Then he turns to the nurse and asks, “can I have a Jack Daniels with that Percoset?”

Then he goes into a litany:

“So now I’m going to miss my dinner. I told them at rehab, “hey, what about dinner?”. Then I come here and I’m asking them, “where’s my dinner?” But no, no dinner. And you know they’re going to screw around, and no food or drink until they decide what to do with me. And then they are going to  tell me I’m fine, because I feel fine, but then what about my dinner?”

onion-rings-274123_1280See, all of this is a sure sign that all is well in brother-in-law land. If his focus is dinner, dinner, dinner…………….he’s in great shape. You caregivers know what i mean.

In the spirit of kind caregiving and true sympathy to his plight, I say:

“Well, okay, now that we see you’re okay, we’re going to take our friend out to dinner! See you  later!”

He bursts out laughing. Yay…………

“You Just have to Laugh………..”

© Cathy Sikorski

Real elegance is everywhere, especially in the things that don’t show…Christian Dior

It was going to be a happy day. After months of being in and out of rehab, my brother-in-law was returning home. His current rehab center was about an hour away from me, so I was a bit late in getting there to do all the discharge baloney.

Nonetheless, they called me when I was 10 minutes away from the facility, as his wheelchair transport was already there. The transport driver was ready to go and wanted to leave before I arrived.

“Is he dressed and ready to go?” I asked the discharge nurse.

“Yes, they are just waiting for you to get here and sign the papers.”

“Well, if he’s ready and they can’t wait 10 minutes, he can get going and I’ll be there to gather his things and sign,” I replied.

“If you’re only 10 minutes away,I’ll see if they can wait,” said the nurse.

“Either way is fine with me,” I pleasantly replied…after all, it was a happy day.

I arrived in less than 10 minutes, and went into his room to gather his things.

There was my BIL in his bed, in a hospital gown, just shrugging his shoulders when he saw me.

Right behind me followed the discharge nurse.

“I thought you said they were transporting him home?”

“Well, the transport driver said he heard you were going to be an hour late, so he left.”

“Where would he hear that? Twitter? Facebook? The Huffington Post? I literally just told you I was 10 minutes away!”

“I don’t know,” said the nurse, “but that’s what the front desk said when I told them to send up the driver.”

“Okay,” I responded incredulously and losing my pleasant disposition ever so quickly, “but you told me he was dressed and ready to go. He’s in a hospital gown.”

“Well, that’s dressed,” he said a bit defensively.

Now, granted, this is a rehab facility. Fashion is not the highest order of the day. And if you’re not running around the hallways, or eating in the dining room, a hospital gown may be your couture du jour. However……..

“Ummm…….no….that is NOT dressed for someone who is going home in a wheelchair and right to the dining room at his home, for his meals. I’m pretty sure no one wants a Sharon- Stone-Basic-Instinct  reveal from a hospital gown , while having their salad course. It brings a whole new meaning to ‘dining al fresco.’ You need to get him dressed in his clothes which are in his closet here.”

To which my brother-in-law pipes up: “I’m a bit chilly.”

Ya’ think?

“You just have to Laugh…………”

©2015 Cathy Sikorski

 

Good Luck with that Appeal…….

This  is a Medicare Card. Everyone’s Medicare Number is their Social Security Number.

Conversation with Medicare Appeal Board:

“Do you have the Social Security Number of the person who is appealing?”

“Sorry, I don’t.”

“That’s okay. Do you have their Medicare Number instead?”

I rest my case.

“You Just have to Laugh…..”

©2015 Cathy Sikorski

Is your Plug Male or Female……..

Today’s tale is a bit vulgar….but I find honesty to be the best policy.

As my faithful readers know, I, with no training or inherent skills, have become a wheelchair repair expert over the last few years. I was able to get a different BIL (code for brother-in-law) to transport the humungous wheelchair to the rehab center, so disabled BIL would be able to get out of bed every day. By the way, there is no service, or transport that will take an empty wheelchair…well….anywhere….you have to find your own way to get it there.

One day, I’m walking down the hall of the rehab center and the physical therapist is manually pushing the electric behemoth with my BIL in the chair.

“What’s up?” I ask her.

“Oh my God, I’m so glad you’re here. No one can figure out how to get this operational.”

Because it had been a month since my BIL was even in the chair, and memory issues are a part of his disease, he was of no help either. In 2 minutes, I had everyone  operational and instructed for the forseeable future.

Then we went home.

I stayed with my BIL for about 6 hours that day. As happy as he was to be back in his apartment, he was feeling insecure and squeamish and not ready to be alone. I arrived home in time for an 8:00 PM conference call.

At 9:00 PM my phone rang.

“Hello, Cathy, this is the caregiver.”

“Hey, what’s up? Is he okay?”

“Oh, he’s fine, no problems. But we can’t plug in his wheelchair. It seems like a piece of the plug is missing that connects to the battery. So we can’t charge the chair.”

UGH. He needs that chair. He needs to be out of bed and as upright and mobile as possible to have a life where he goes to meals, talks to friends, plays SODUKU on his computer.

“Okay, I’ll come in the morning and look at it.” I must’ve been very tired. I’m still not a wheelchair repair person, what was I going to do?

Before I left the house, I called the wheelchair repair people, who told me the only thing they can do is order an entire new charger which would take 3 weeks.  When I asked what he’s supposed to do in the meantime, wheelchair repair guy thought for a minute or two (really??? no one has ever asked you THAT before?) And told me he could look around and see if they had a loaner charger, but that would take a day or two.

As I set my hair on fire in protest (only in my mind) I went over to my BIL’s apt. examined the plug and set off for the rehab center. I checked his room, as they had just cleaned it, we called down to housekeeping, I went to the nurses’ station, therapy rooms, front desk and had the social worker call the ambulance transport to look for it. No dice.

I went to my book club and my French Class. Mai oui…..I do some things for my self!

Then I returned to his apartment, there was the charger plugged in. But as my engineer BIL told me, truthfully, it was smoke and mirrors. It wasn’t charging at all. I showed the plug to him and hoped he had some brilliant insight. Nope. So I said to him:

“Well, you know what Nana would say?” She had a fine adage for problems when something would just not fit into a hole.

“Yep,” he nodded, “put a little hair around it.”  Yep, that’s what she always said.

Luckily BIL is a fiscal conservative and only used 3% of his power that day.

We then had the brilliant idea to call some local durable medical equipment providers and one dear soul sent me to Interstate Battery. As I was leaving with high hopes and the battery, my BIL said:

“I don’t know how to tell you this, but as an old man would say, I think you’re pissing up a rope!”

So with those axioms under my belt and a big huge 24 Volt battery in my arms like a newborn. I went to a big, ol’ manly grease monkey, full-of-testosterone battery warehouse.

And this is where the Good Samaritan works when he is not out on the road rescuing.

Keith worked for thirty or forty minutes to rig this battery charger so I could use it. The first thing he asked me is if it’s a male or female plug. I considered my Nana’s advice, but that didn’t lead me to any conclusion. I suppose I should have been able to deduct the answer, but I panicked and just looked as cute as I could. In that environment, I was a shoe-in.

By the way, there was never a missing part. It had been so abused over time by pulling it out by the cord that it basically pulled the charging plugs too far down into the casing.

Keith told me he has a few friends in wheelchairs and he sees this all the time, where they can’t get timely repairs and no one seems to care. He told me to just ‘Pay it Forward.’ I told him I try to do that, and he said, “well then, now it’s coming back to you!”

Sometimes…..”You just have to SMILE….and laughing never hurts, either.”

© Cathy Sikorski 2015

Best Notify My Next of Kin…This Wheel Shall Explode….Absolutley Fabulous

The frustration level of caregiving is equal to the dropping temperatures here on the East Coast, which is at a 100 year low.  Pretty sure that’s true.

Finally after spending 6 months in rehab, my brother-in-law was finally home, healthy and enjoying his meals in the dining room with his best pals. Then the flu hit his facility. On Christmas.  But five days in the hospital with the flu, double pneumonia and a urinary tract infection did not keep  him down. Home on New Year’s Eve, he was ready to get back to his normal life.

When he, his neighbors and his caregivers all noticed that he was precariously listing to the right, they called me.

Now this wheelchair has been a problem for several months. A new set of footrests were installed and ever since then, the wheels get stripped. After the second time this happened, I told the repair people to really look at the problem.  The footrests were major culprits and needed a good talking to.

Here we were again only 60 days after new wheels were put on the chair. My brother-in-law looked like he was practicing for a circus act, as he sped down the hallway with his hair blowing in the breeze at a 45 degree angle.

When his caregivers called me, on Sunday, I was firmly ensconced in a charming little Italian restaurant 150 miles away in NYC. Of course, it’s adorable that they think I can actually fix the wheelchair.  I would have to have extra wheels, a special screwdriver, and actual mechanical knowledge. No wonder I have a God complex.

Monday, bright and early I call for repair assistance. I beg. I plead. I offer candy, money and my first born, whatever it takes to get this chair fixed ASAP, since he just got back to a semblance of a real life. What usually requires two weeks, will take two days. Okay, we can live with that.

Two days later, I arrive at my brother-in-law’s apartment for the 10:30 AM appointment. I’m psyched. Chair will be fixed. Man can get in chair and have meals with friends, all will be well in the universe.

10:30 comes and goes.

11:00 comes and goes.

“Hello, wheelchair repair guy, where are you?”

“He’s just a bit late,” they tell me.

11:30 his caregivers arrive to get him dressed to gently place him in his newly fixed chair. Except that it’s not.

12:00 comes and goes.

I have to call again. Why would they call me? I’ve only called them 10 times in the last 48 hours. It’s not like they have my phone number or know that I am waiting for them.

“Hello, wheelchair repair guy, where are you?”

“He got caught up at his last job, he will be there as his last appointment of the day. Sorry, i hope that’s okay.”

Sure. I only have to now order his meals to be delivered to his room, if it’s not too late. I need to reschedule all the caregivers because their duties will now change, since he is in bed and can’t get in his chair. I will have to go to the dining room and tell his dining buddies that they don’t have to set up his place, his tea, and his special condiments like they do every day because they are kind and amazing. But sure, no problem, you just show up when it works for you.

What I say is, “okay, just get it fixed, today.”

Miracle of miracles, I come back early in the evening to find BOTH wheels repaired, the foot rests changed and the chair ready to go. Too late to get my brother-in-law in his chair. But he says, “hallelujah” when I tell him he will be out and about starting with breakfast tomorrow.

On my way to a business appointment the next morning, I’m feeling quite smug as I know my brother-in-law is already at breakfast and I got the chair fixed in 2 days!

My phone rings. I answer with a happy lilt in my voice.

“Hello?”

“Hi Cathy? This is the caregivers. Larry doesn’t feel well. He refuses to get in his chair. He has a temp and should probably go to the ER.”

You just have to Laugh………….

©2015 CathySikorski

A Caregiver Confesses…………

Not every day in a caregiver’s life is worthy of a pat on the back. Last week the visiting nurse called me with her weekiy update:

“Hi Cathy, all is well with your brother-in-law,but I’m calling today as his advocate.”

Uh-oh. What does that mean? Immediately, my hackles go up. I don’t actually know what hackles are, if I have them or when they go up and down. But I do know that some red flag is waving behind my eyeballs, and I have become defensive before she even says her next sentence. And here’s why. I am his advocate. Not you. First, I am a professional advocate. Second, I am the one who goes to bat for him almost on a  daily basis. And third, if you are telling me you are advocating for him to me….that must mean you are about to tell me what I’m doing wrong.

“Okay,” I say calmly, “what’s up?”

“Since you’ve put him back on bed rest, he is frustrated and really angry. He doesn’t want to be in bed most of the day. He needs to be in his wheelchair and out and about with his friends. He needs to go to the dining room for every meal and have that independence.”

And here’s where I’m not so happy with myself….but this is only the first part of my confession.

“Let me tell you something (not a good way to start an open-minded conversation). He  just returned home from 10 months in and out of the hospital with 6 of those months straight in a nursing home.In just four days after being home, he began to have bed sores again and problems with open wounds. I feel pretty certain that he does not want to go back to either of those places and so since I know that bed rest was the only solution, I instituted that. Within 10 days of you seeing him, those wounds have significantly healed and he is almost able to return to his normal routine.”

“Well,” she replied, “I’m sure that’s what he needs.”

“I am not trying to make his life harder. Quite the contrary. But I will be sure and let him know that you have advocated for him.”

“Okay, thanks and Happy Thanksgiving!” she said as she got off the phone at breakneck speed.

The Thanksgiving remark sort of slapped me back to reality as well. I was feeling less grateful for her help and more needy of explaining my part in this Passion Play.

And then I misbehaved.

I went over to my brother-in-law’s apartment to discuss his advocate. I waited until the next day, so I could explain to him that I’m not a monster, I’m not insensitive to the fact that lying in bed most of the day is boring, not fun and makes for a long day. I only have his best interests at heart, and I don’t want him to end up back in any place but his home, where he is as happy as he can be.

When I arrived, he was watching TV in his chair.

“Hey,” I said, “your nurse tells me your mad at me.”

“Yeah,” he said, “I don’t want to be in bed so much. ”

And this is where all my sensitivity training, my caregiver’s heart and I’m pretty sure my 26 years as a Mom comes in to soothe and explain how all my hard work for him is truly in his own best interests, that I love him and want him to be healthy and safe and happy and that sometimes that road is a little bumpy.

“Get over it, ” I said.

I thought he would just have to laugh…..and guess what…he actually did………

©Cathy Sikorski

 

 

Patience…the Patient has gone clear….

Have you ever had the experience as a caregiver (or even a co-worker) where you’ve been taking care of someone and they are clearly forgetting things and allowing you to have all the responsibility and power? Basically, they are done. They don’t want to engage in any way that is challenging or difficult. And okay, fine. You deal. And then this happens:

“You are going home tomorrow from the nursing home to your own apartment,” you say to your brother-in-law, with every so much enthusiasm because he has been waiting for this day for 5 months.

“I know, but I thought I was going home Tuesday.”

“Umm…you are….tomorrow is Tuesday.”

“Oh, yea.” Caregivee laughs at his own silliness. Then he says, “and it’s time to sign up for Medicare, right? It’s open enrollment. And we were going to look at all the options to make sure I had the best plan. Did you do that  yet?”

This is where I go through these thoughts:

I want to kill you.

Who are you and where is my brother-in-law?

When in the last 7 years have you even said the words, “open enrollment.”

I take a deep, cleansing breath, and say ,”sure, we can work on that when you get home.”

“Because your sister and her husband worked the same place I did and they are on the same retirement insurance. He had a heart transplant, so he’s no healthier than me, ” says the guy who refused to do his physical therapy just so he can hold a cup without spilling it.

Sometimes I want to run away from home.

Medicare 2015No worries. I will read the 500 page booklets from Medicare and your employer retiree plan and we will end up doing the same thing we have done for the last three years because the plans in your retirement only have one option with unlimited lifetime benefits. And you’ve probably used over a million dollars already. And your young, very young. Sick, but young. That’s what I think, but what I say is:

“Okay we will go over that, we have a few weeks yet.”

“Okay, just wanted to make sure you were on top of it. Now did I have lunch yet? Why is that picture on the wall crooked? I don’t think anyone changed the  clock to daylight savings time?”

You just have to Laugh…..”

©Cathy Sikorski 2014