I like routine, so these early weeks of retirement have been confusing and a bit scary for me. My life roles are changing, as our my time obligations. I am in a metamorphosis, but it is still unknown if I’ll emerge from my work cocoon as a butterfly.
My title of doctor has always garnished a certain level of respect from others, and over the decades I have gradually assumed that being treated respectfully was the norm. I know that many individuals don’t have such privilege, and my change in status has subjected me to people that demonstrate a lack of relational humanity. These experiences have been disturbing, but empathy building for me.
Case in point, dealing with Medicare.
Medicare charges good earners a significant penalty/surcharge based on that individual’s previous income tax (This surcharge is called an IMRAA fee). At the beginning of this year, I had to decide on my Medicare insurance plan, and I made that decision with the help of an insurance broker. I chose to contract with an Advantage program based on my general good health and the fact that we also needed to secure additional insurance for the rest of our family. Advantage plans tend to be less expensive than regular Medicare and they include Part D at no additional cost, or so I thought.
Based on my 2017 income tax Social Security charged me a substantial penalty for Part B of my Medicare insurance. I understood this and made my first payment last month. I then received notice that I was going to be penalized for not having Part D insurance when I turned 65 last year. I didn’t have Part D coverage because I had insurance through my employer. This typical scenario seemed to be incomprehensible to our government, and I had to fill out forms and provide proof that I was not trying to secretly defraud the USA…Gads!
Monday morning I received my April bill for my Part B. I opened up the envelope to find that it was over $200 more than last month. I was confused as it seemed like that Social Security placed me into even a higher penalty category, and besides, they were charging me for Part D. I immediately called my new insurance provider, and the customer service rep could only suggest that I call Medicare directly. I placed my call to Medicare and got the usual, “Due to the high volume of calls…” message with and a warning that my wait could be a long as 15 minutes.
I was on hold for almost 30 minutes before Latisha picked up. The name Latisha means joyful and happy, my customer service representative definitely did not fit that description. Latisha was outright rude, and her demeanor was accusatory and condescending. “We know how much money you are making because we are directly connected to the IRS,” she barked. She offered no information on how to appeal such a decision, or why I was now being charged for Part D. It was an alarming call which gave me insight in how people can be treated when the customer service agent has ironclad job security and no repercussions for callous behavior. After being subjected to her abuse, I said to her, “Latisha I want to inform you that I have agreed to take a customer satisfaction survey at the end of this call at which point I will clearly state how you have been treating me.” I could hear a bit of anxiety in her voice, and her outright condescending manner softened slightly. She is a person who should not be working with seniors.
Unfortunately, I am now stuck with a huge Medicare monthly payment and no known recourse at the moment. It disgusted me the way she treated a senior, and I can only imagine how she intimidates less secure callers. With that said, I was not about to let her rudeness dominate my emotional well being that day.
Tuesday morning at 4 AM my friend, Tom pulled up in his white Ford Flex. I donned my coat, slipped out the door, and climbed into his passenger seat; off we went. Tom stopped for gas and then pulled into a Dunkin Donuts and got both of us coffee. We were on an adventure as he was driving me to a favorite breakfast diner which was over 2 hours away in Wisconsin. His generous gift of time was a continuation of my 66th birthday celebration. After a delicious omelet, we traveled the 2 hours back home. Our trip symbolizing friendship and our willingness to take care of each other.
Now back home I had to deal with a concept new to me, open time. I have been busy most of my adult life, and I have always had to deal with a lack of unstructured time, not an abundance of it. There were things that I could do, but they were wants not needs. I started to feel guilty, as I now had free time while my wife, Julie had to work. In the past I identified with overworking, and in many ways my constant drive to accomplish things gave me validity. I tried to think of some major project to work on; I resisted that urge. I felt tired, and I decided to take a short nap. Thirty minutes later I awoke feeling refreshed.
I decided to tackle a fun project: How to interface my computer to a two-way Amateur radio. As is usual with such projects things didn’t go smoothly, but eventually, I was able to solve the connection problem and program the radio. There was a particular joy in having the time to approach the problem, take a break, and then resume. In the past, I would have focused on how to solve the problem as efficiently as possible. My new project timeline turned this activity from stress producing into fun. For me, there is nothing as exciting as learning something new.
After my radio adventure, I had another urge to be productive in an effort I to justify my lack of paid employment. Guilt was on the rise. The house was reasonably tidy, as I had cleaned it on Sunday. I put a few dishes away and swept the kitchen floor. It was then time to meet my sister, Nancy.
I pulled up to Panera Bread at 6:59 for my 7 PM meeting and met Nancy in the parking lot. We were restarting our weekly creativity night after a brief break caused by mutual travels and an unwanted upper respiratory infection.
Nancy was upset at the beginning of our meeting. Her feelings precipitated by a disappointment perpetrated by an acquaintance. This led to a conversation about people who we can depend on. For both of us, the number was small but reasonable. In the end, we concluded that we were both fortunate to have people in our lives who we could depend on, and even though our close connections didn’t consist of legions, their numbers were indeed more significant than what many others have. I suggested to her that she focus on those people who care about her rather than wasting energy wondering why a random unimportant person failed her.
We proceeded with our meeting of conversation and study as I munched on a half of a Cuban sandwich and a cup of chicken noodle soup. I was happy to re-initiate our weekly get-togethers as I enjoy spending time with my sister. It felt good to have this structure re-enter my week. At the end of the meeting I said to her, “Nancy, I have no idea what to write about this week.” She offered a few suggestions, but none of them rang true. I decided to write about my present state of mind, and that flow of consciousness is what I am inking on paper now.
This Wednesday morning I found myself questioning if I should go on my morning walk. It was raining, and I was still tired from my previous day’s adventure. Lacking a defined work schedule when I woke it took me a few moments to realize that it was Wednesday, not Saturday. I forced myself up and meandered to the bathroom to prepare myself for the day.
I located an umbrella and headed out the door. When I reached Starbucks, I ran into an acquaintance who had picked up his coffee and was heading out the door. “You’re late today,” he said in a joking manner. “Yeah, I guess the rain slowed me down,” I responded.
I procured a Tall Veranda and found my usual table at the front of the store. Out came my computer and earbuds and I started to type this post. I rarely know what I’ll type when I start this process, I just sit and let my fingers do the talking.
Tom and I had spent a lot of time together on Tuesday and I didn’t expect him to be at Starbucks today as he was working on a project that was geographically in the opposite direction of the coffee shop. Since I anticipated his absence, I had planned my morning accordingly. Tom used to have a habit of pulling away from me when he got too emotionally close. I am familiar with that pattern of behavior, as I have been known to do the same thing. However, we have both become more secure in our friendship and this pattern is now rare.
Some of the morning coffee regulars came up to me and engaged in conversation. Kathy stopped by to congratulate me on my full retirement and told me of a ski trip that she just took with her husband. John came up to me to also congratulate me on my new status. He is an executive for a large corporation who is dealing with the immense stress of being in such a position. We chatted a bit about my new life and his current work situation. I then continued to write this post, but soon it was time to return home.
I now sit at the Ram dealership as Violet the van’s instrument panel has been flashing me a request to have her oil changed. So here I am in the dealer’s showroom finishing this random post of an ordinary few days in the life of a retiree.
I have been awash to so many feelings over these last few days. Anger, at being treated as a non-person by Medicare. Guilt that I am not longer filling every moment with work for pay. Sadness, at my changing status from doctor to citizen Mike. Peace, as I am no longer responsible for the lives of others. Confusion, over what to do with my new found free time. Euphoria, over having free time to be confused over.
I am becoming aware of a need to expand my horizons. I much prefer having intense relationships with a few people rather than causal relationships with many. However, it would be unreasonable for me to expect those currently close to me to completely replace the social connections that I had garnished from my worklife. My experience this morning at Starbucks suggests that there are people out there who would be fine with spending time with me, and that the major limiting factor in this social regard is me.
My siblings have their own lives, my kids are busy with school and friends, my wife works, my friend Tom has a construction business to run. So where do I look to expand my horizon? I don’t necessarily need additional intense relationships, but I should probably explore more casual connections. Clubs, volunteering, social groups, all are possibilities. I am awash with both fear and excitement, and I’m OK with having both feelings. Onward, one foot in front of the other. Every day is a new adventure and offers the potential for personal growth.