We are 208,432 members in 81 forums discussing 150,009 topics.

Help with Abbreviations

All TopicsForum: Employment, Insurance, and Other Financial Issues → Topic: Too young for Medicare. Want to retire but need insurance

Topic: Too young for Medicare. Want to retire but need insurance

Forum: Employment, Insurance, and Other Financial Issues —

Employment, insurance, and financial concerns are common. Meet others here to discuss and for support.

Posted on: Jan 9, 2018 07:44AM

BJKinNebr wrote:

I realize each state has different programs and requirements ref retiring and retaining health insurance. I am a state employee in Nebraska. I have stage 4 metastatic breast cancer. Just starting my third year of chemo treatment and just turned 62. My job is very stressful and there are days where I really have to talk myself into going to work. I do have a retirement plan through the state, which is helpful but I wonder how long it would last if I had to pay all medical expenses out of pocket. I know I need to go talk to a financial planner. It would just be nice to enjoy what time I have left instead of all the stress of working and juggling chemo treatments and worrying about keeping the bills paid. Any thoughts or suggestions would be helpful

Dx 1/26/2016, IDC, Right, Stage IV, metastasized to bone/liver, Grade 3, 3/6 nodes, ER+/PR+, HER2-
Log in to post a reply

Page 1 of 1 (21 results)

Posts 1 - 21 (21 total)

Log in to post a reply

Jan 9, 2018 10:19AM cive wrote:

There's always Obama care, although I'm not sure enrollment is still open in Nebraska as it is in California.  You can also check with your state's office of insurance, they have people that you can talk with that will tell you what your options are.  Lastly, usually you can get COBRA for some time after you quit your job.  You would just be paying the premiums rather than your employer. 

Log in to post a reply

Jan 9, 2018 10:34AM ElaineTherese wrote:

Hi!

Because you are Stage IV, you should be automatically accepted into the Social Security Disability program. Once you have been accepted by SSD, you can apply for Medicare. But, I believe you have to wait a year (?).

Hopefully, some more knowledgeable people will drop by and explain it to you better than I have.

DX IDC June 28, 2014, 5 cm., 1 node tested positive (fine needle biopsy); 0/20 after neoadjuvant chemo + ALND; Grade 3; ER+ PR+ HER2+ Neoadjuvant chemotherapy starting 7/23/14 ACX 4, Taxol X 12, Perjeta X 4; Herceptin: one year Chemotherapy 7/22/2014 AC Targeted Therapy 9/16/2014 Perjeta (pertuzumab) Targeted Therapy 9/16/2014 Herceptin (trastuzumab) Chemotherapy 9/16/2014 Taxol (paclitaxel) Surgery 1/11/2015 Lumpectomy: Right; Lymph node removal: Right, Underarm/Axillary Hormonal Therapy 2/24/2015 Aromasin (exemestane), Zoladex (goserelin) Radiation Therapy 3/8/2015 Breast, Lymph nodes
Log in to post a reply

Jan 9, 2018 10:48AM proudtospin wrote:

i was in your position,but had insurance through small business in nj. Hated my job. One day i walked in and asked to be fired.,!i kept my insurance by paying cobra for full time allowed. Then got unemployment for a time and stretched it out till a date close to my retirement age. Finally pulled the plug , found out that when i no longer had expenses of communting to work......it was workable. Do speak to a financicial planner. First make a list of debts, expenses

iris Dx 6/2008, DCIS, Stage 0, ER+ Dx 2/2017, Left, Stage IV, metastasized to bone/liver, Grade 3, 1/1 nodes, ER+, HER2+
Log in to post a reply

Jan 9, 2018 02:56PM Spookiesmom wrote:

I was a state employee who retired early. I was able to keep my insurance from my employer, but at full price. $600 a month for just me. I also receive a monthly payment towards that cost. Then I hit Medicare and switched to an Advantage plan. I still receive the small amount for insurance.

I suggest calling your state retirement center, talk over your options. You may be surprised.

Dx IDC, Stage IIIA, Grade 3
Log in to post a reply

Jan 9, 2018 03:42PM LimnoGal wrote:

I also work for state government, and I agree with Spookiesmom. Go talk to your retirement folks. They can lay out all of your options for your state benefits, and they can direct you to the Social Security folks. You likely have more options than you think.

Moving on.... Dx 11/2016, DCIS/IDC: Papillary, Left, 1cm, Stage IA, Grade 3, 0/6 nodes, ER+/PR-, HER2- Surgery 2/11/2016 Lumpectomy: Left; Lymph node removal: Sentinel Chemotherapy Cytoxan (cyclophosphamide), Taxotere (docetaxel) Radiation Therapy Balloon-catheter: Breast
Log in to post a reply

Jan 9, 2018 04:59PM proudtospin wrote:

maybe you could do a part time thing , i thought about that but if you can get the ins thing worked out, retirement life is cheap!

iris Dx 6/2008, DCIS, Stage 0, ER+ Dx 2/2017, Left, Stage IV, metastasized to bone/liver, Grade 3, 1/1 nodes, ER+, HER2+
Log in to post a reply

Jan 9, 2018 09:28PM artistatheart wrote:

I believe Medicare takes two years to kick in after you apply for Disability (unless you turn 65 of course)

Dx 7/22/2015, ILC, Left, 4cm, Stage IV, Grade 3, ER+/PR+, HER2- Hormonal Therapy 8/10/2015 Femara (letrozole) Targeted Therapy 8/25/2015 Ibrance (palbociclib) Hormonal Therapy Faslodex (fulvestrant)
Log in to post a reply

Jan 10, 2018 04:48PM BJKinNebr wrote:

Thanks everyone for your comments. After my chemo treatment today, I talked to a social worker at the

Cancer Center here. It looks like it might be totally possible!!!!! I can file for early retirement and for the

disability, plus my state retirement fund. I just need to find out what Cobra insurance will cost and possibly

compare that to a Market Place insurance policy and see which has the best coverage for the price. I'm

excited, a little scared and sad. I have loved what I do for 37 years, but things have changed so much, it's

just not the same and the stress isn't doing me any favors. It's time for me to put me first!!! I'll keep you

posted!!!!!

Dx 1/26/2016, IDC, Right, Stage IV, metastasized to bone/liver, Grade 3, 3/6 nodes, ER+/PR+, HER2-
Log in to post a reply

Jan 10, 2018 05:31PM Spookiesmom wrote:

Good to hear. Check for sure, you may be able to keep the insurance your agency has. I could have kept it for life. It’s not COBRA, that’s only for 18 months. It was great insurance but too expensive for me to keep.

Dx IDC, Stage IIIA, Grade 3
Log in to post a reply

Mar 2, 2018 01:50PM proudtospin wrote:

bj.....i just happened to check back, so glad you fould a way to make the retirement numbers work for you! Hope your life is smoother now

iris Dx 6/2008, DCIS, Stage 0, ER+ Dx 2/2017, Left, Stage IV, metastasized to bone/liver, Grade 3, 1/1 nodes, ER+, HER2+
Log in to post a reply

Mar 4, 2018 10:30AM BJKinNebr wrote:

Thanks everyone. It looks possible. I just have to figure out how to fill the 3 month gap between the day I retire and when my retirement and social security kick in. That's going to be tricky.


Barb

Dx 1/26/2016, IDC, Right, Stage IV, metastasized to bone/liver, Grade 3, 3/6 nodes, ER+/PR+, HER2-
Log in to post a reply

Mar 4, 2018 11:29AM proudtospin wrote:

bet you can make it work! I did!

iris Dx 6/2008, DCIS, Stage 0, ER+ Dx 2/2017, Left, Stage IV, metastasized to bone/liver, Grade 3, 1/1 nodes, ER+, HER2+
Log in to post a reply

Mar 4, 2018 12:22PM illimae wrote:

I recommend talking to your HR people too, if you haven’t already.

I work for the state of Texas and was surprised to find that I could medically retire, keep my insurance, get my 401k and pension due to my stage iv diagnosis. I plan to retire this summer at age 43.

Diagnosed at 41 Stage IV De Novo Dx 11/16/2016, IDC, Left, 5cm, Stage IV, metastasized to bone, Grade 3, 3/13 nodes, ER+/PR-, HER2+ (IHC) Targeted Therapy 1/1/2017 Perjeta (pertuzumab) Chemotherapy 1/2/2017 Abraxane (albumin-bound or nab-paclitaxel) Targeted Therapy 1/2/2017 Herceptin (trastuzumab) Surgery 6/26/2017 Lumpectomy: Left; Lymph node removal: Underarm/Axillary Radiation Therapy 8/10/2017 Breast, Lymph nodes Dx 10/5/2017, IDC, Left, Stage IV, metastasized to brain Radiation Therapy 10/19/2017 External: Brain Hormonal Therapy Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone)
Log in to post a reply

Mar 4, 2018 01:16PM - edited Mar 4, 2018 01:17PM by lyzzysmom

Have you discussed the possibility of working part time with HR or manager or do you want to completely retire? I cut my hours to 24 after BC which was enough to keep insurance. Did this for 3 years then got laid off. Benefits expire in June and I plan to either use COBRA for 18 months or try to find something more affordable via Obamacare, which I will then need to do anyway as cobra would expire a few months before I turn 65.

Oncotype DX 12, age at dx 59 Surgery 5/5/2014 Lumpectomy: Right; Lymph node removal: Right, Sentinel Dx 5/16/2014, ILC, Right, 1cm, Stage IA, Grade 2, 0/1 nodes, ER+/PR-, HER2- Dx 5/16/2014, LCIS, Stage 0, 0/1 nodes Radiation Therapy 6/23/2014 Breast Hormonal Therapy 8/18/2014 Arimidex (anastrozole), Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone)
Log in to post a reply

Mar 5, 2018 07:27AM - edited Mar 5, 2018 07:28AM by NotVeryBrave

My sister in law applied for Social Security disability with Stage IV bladder cancer. She was approved easily at age 56.


TCHP x 6 with pCR. One year of Herceptin. DTI pre-pec surgery. Quit Tamoxifen after 3 months. Dx 11/21/2016, DCIS/IDC, Left, 2cm, Stage IIA, Grade 2, 0/3 nodes, ER+/PR+, HER2+ (IHC) Targeted Therapy 12/18/2016 Perjeta (pertuzumab) Targeted Therapy 12/19/2016 Herceptin (trastuzumab) Chemotherapy 12/19/2016 Carboplatin (Paraplatin), Taxotere (docetaxel) Surgery 5/9/2017 Lymph node removal: Sentinel; Mastectomy: Left; Prophylactic mastectomy: Right; Reconstruction (left): Silicone implant; Reconstruction (right): Silicone implant Hormonal Therapy 9/9/2017 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone)
Log in to post a reply

Mar 15, 2018 10:34AM BJKinNebr wrote:

Well, after checking with my insurance agent and looking at how I would be able to finance the gap between my last day of work and the 3 months it takes for retirement and Social Security to kick in, it looks like I'll be working for a while. It's just not financially possible at this point. In some ways, maybe it's better that I keep working while I can. It keeps my mind occupied and gives me something to do each day.

Dx 1/26/2016, IDC, Right, Stage IV, metastasized to bone/liver, Grade 3, 3/6 nodes, ER+/PR+, HER2-
Log in to post a reply

Mar 16, 2018 07:34AM proudtospin wrote:

bj, best of luck and hope the 3 months go quickly

iris Dx 6/2008, DCIS, Stage 0, ER+ Dx 2/2017, Left, Stage IV, metastasized to bone/liver, Grade 3, 1/1 nodes, ER+, HER2+
Log in to post a reply

Mar 19, 2018 08:55AM BJKinNebr wrote:

Oh, wish it were that easy Proudtospin. The way things look at this point, short of winning the lottery, I'll be working till I either turn 65 or it's time for treatment to end and go into hospice. Being single/divorced and living just on my income, it's really hard to put aside the kind of money I would need to pay bills, rent, etc for those 3 months between last day at work and when retirement and social security would kick in. The big issue is the cost of the COBRA insurance that I would need. But like I said, maybe it's for the best right now. My job keeps my mind busy and I'm not just sitting at home dwelling on other things

Dx 1/26/2016, IDC, Right, Stage IV, metastasized to bone/liver, Grade 3, 3/6 nodes, ER+/PR+, HER2-
Log in to post a reply

Mar 19, 2018 10:16AM proudtospin wrote:

sorry i never thought i had enough saved, but when a pal blew up at me when i said my community expensive was 15.50 a day..........i realized that expensive would go away. Cobra was big for me as my company was small with not good ins. I am single and well, it is working, good luck

iris Dx 6/2008, DCIS, Stage 0, ER+ Dx 2/2017, Left, Stage IV, metastasized to bone/liver, Grade 3, 1/1 nodes, ER+, HER2+
Log in to post a reply

Apr 14, 2018 08:11PM sweetp6217 wrote:

Just my two cents, but Cobra can be hit or miss. Perhaps it's better than it was 15 or so years ago when I had experience with that, but depending on when the claims hit, they may be paid or they may bounce. Cashing your check for the premium is a huge priority to them, but not making sure that you're covered without any interruptions.

Log in to post a reply

Apr 17, 2018 07:43AM proudtospin wrote:

when i was on cobra, yeah, sending the premium to my former employer was always important. She used to tell me when to get the check to her, it always seemed like a lot and seemed that she was asking for it early. But i collected for about 6 months till I hit my retirement date. I live in NJ that is all I know.

iris Dx 6/2008, DCIS, Stage 0, ER+ Dx 2/2017, Left, Stage IV, metastasized to bone/liver, Grade 3, 1/1 nodes, ER+, HER2+

Page 1 of 1 (21 results)