midlifedude

Man at midlife making second half matter

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No More ‘Working for The Man’ Just for Health Insurance

pic_0123On the eve of the first Obamacare (Affordable Care Act) mano-a-mano showdown in Congress – well, at least the participants were in the same boxing ring – I re-emphasize my position that after all the overinflated chatter is aired and convoluted schemes are floated, the only real, efficient, cost-effective and sustainable solution is a single-payer health care system (Medicare for All, universal health care coverage).

I’ll give the Republicans a chance, with their Repeal and Replace initiative (or Repeal and Posture, or Repeal and Delay, or Repeal and High-Five) and monitor the trends and see where we are a few years after implementation. As I advocated on my sister blog site Sirenian Publishing, the Democrats should not participate in crafting an Obamacare Replacement, so it will be a pristinely GOP invention without Democratic fingerprints and can be evaluated as such.

Why discuss Obamacare in a midlife blog? Because I’m one step away from needing health insurance through a system like Obamacare, and I may need that program or something similar in the future as I grapple with transition and living authentically in midlife.

In my transition to a new career as a mental health counselor, I eventually had to leave full-time employment to meet my graduate program’s internship and class requirements. And with that move went my health insurance. I was lucky I have a wife with an employer-sponsored plan that I could join. But we all know how tenuous are jobs – and the potluck health insurance that may come with them – in today’s economy.

I’ve written about joining the Gig Economy since my transition, working multiple part-time, temporary, or entrepreneurial jobs with no health insurance or other benefits to cobble together an income. While I may sometime again have a full-time job with health insurance benefits, I plan to stay a member of the Gig Economy for the rest of my career by establishing an independent counseling practice. And I abhor the thought of health insurance posing a major barrier to venturing out on my own. A single-payer health care system, or perhaps an Obamacare-like system, could remove that impediment for me and many others with an entrepreneurial bent who no longer want to be obligated to ‘working for The Man’ just so they can have health insurance.

I wrote extensively about the merits of a nonprofit single-payer system and the tribulations of Obamacare in my political memoir about my campaign for Maryland delegate, Don’t Knock, He’s Dead: A Longshot Candidate Get Schooled in the Unseemly Underbelly of American Campaign Politics, as advocating for a more equitable, less costly health care system was a cornerstone of my campaign.

Read more about the looming health care battle below…

Sirenian Publishing Blog Post: No Democratic Lifeline for ‘Repeal and Replace’

New Senate minority leader Chuck Schumer said if congressional Republicans, in conjunction with President-elect Donald Trump’s exhortations, vote to repeal Obamacare, Democrats won’t participate in crafting a so-called “replacement.”

“If they repeal without a replacement, they will own it,” Schumer told The Washington Post. “Democrats will not then step up to the plate and come up with a half-baked solution that we will partially own. It’s all theirs.”

I agree wholeheartedly with Schumer’s approach and urge Democrats to stick to that plan, instead of capitulating to the Republicans and trying to modify or soften whatever plan the GOP hatches once health care coverage is thrown into uncertainty, or worse, chaos, and millions potentially suffer.

To do so would be akin to the Democrats turning over ownership of a marginally inhabitable building to the Republicans, who level it with a wrecking ball and wander aimlessly through the rubble, only to have the Democrats return with hard hats and shovels and mortar to salvage the wreckage, with the promise, “We’ll help you rebuild from these ruins, but we gotta warn ya, dollars to donuts, this building will be condemned.”

As I advised Democrats previously, Do The Opposite, like Seinfeld’s George Costanza. The GOP will expect Democrats to come running to save the day for people who may be losers in the Obamacare tug-of-war. Then they will become complicit in whatever is enacted. Then they can be blamed for screwing up whatever plan Republicans wanted to enact in the first place, which of course will be the reason said GOP plan isn’t working as effectively as touted. Don’t do it. Let the GOP plan ride; measure the results.

I argued in my political memoir detailing my campaign for Maryland state political office, Don’t Knock, He’s Dead: A Longshot Candidate Gets Schooled in the Unseemly Underbelly of American Campaign Politics, that Obamacare is largely a piece of legislative manure that leaves the foxes – the health insurance industry – guarding the henhouse, but that it’s certainly an improvement and does a number of good things for people who need health insurance.

“Obamacare is a Rubik’s Cube—lots of turning, spinning, head-scratching, reverses, glitches, bad moves and confusion,” I wrote in Don’t Knock, He’s Dead. “Historic and groundbreaking yet torturously overwrought, the law certainly does some good, but adds yet another layer of preposterous bureaucracy and complexity and supposed ‘consumer choice,’ which really is massive consumer overload and confusion, onto a preexisting byzantine miscreation, and will become another cement-hardened convention impossible to undo.”

My campaign for Maryland state delegate in 2014 was largely based on advocating for accessible, affordable health care for all – universal health care, single-payer health care, Medicare for All – whatever you want to label it. My call was for a system that covered everyone, regardless of employment status or personal wealth, one that constituted a right rather than a privilege, and that reduced the corporate profit motive. It was for a more humane system that would put Maryland – and ideally, ultimately, the rest of the nation – in line with the rest of the democratic, industrialized nations that provide all their citizens basic health care at about half the cost or less per person than the U.S., and achieve better health outcomes on many common measures.

Numerous grassroots and health care organizations continue advocating for such a system, and several state legislatures have made attempts to establish one. But entrenched, opposing, big-money interests are strong – hence, Obamacare was the best we could get.

Wendell Potter, a health insurance public relations executive turned industry critic, nailed the dynamic in his insider tell-all book Deadly Spin, as I quoted in Don’t Knock, He’s Dead. “The health insurance industry is dominated by a cartel of large, for-profit corporations…[T]he top priority…is to ‘enhance shareholder value.’ When that’s your top priority, you are motivated more by the obligation to meet Wall Street’s relentless profit expectations than by the obligation to meet the medical needs of your policyholders.”

I still believe a single-payer system is the only real, equitable, sustainable solution to the ongoing health care mess. Perhaps a failed “replacement plan” full of tired old ideas like Medical Savings Accounts and insurance sold across state lines and free market competition that can be laid squarely at the feet of Republicans could stoke a revival of a single-payer revolution.

Of course, that will bring out the critics and naysayers who will charge that single-payer is an un-American, “socialist” system, an asinine argument. What is Medicare? What is Medicaid? What is Social Security? Socialistic! For that matter, what are our police forces and fire departments and public schools and state universities? Socialistic! We all contribute toward them because these systems and institutions are deemed to be beneficial to society collectively. American rugged individualism is a great concept. But in some aspects, like outstanding health care and the overall health of our citizenry, we are all in this together, and will be stronger as a nation for that.

So, as Schumer said, no lifeline. There could be regression and pain in the short-term, but maybe it could turn the tide for the long-term.

Joining the Gig Economy

I am a member of the Gig Economy.

I didn’t plan to join. It just evolved.

Giggers don’t count. We’re under the radar. The U.S. Bureau of Labor can’t find us for all its employment reports. We’re a step above underground. We exist in the netherworld between employed and unemployed, worker and slacker. Above all, we are free agents, with shallow allegiances, if any.

Nothing is secure. Nothing is long-term. Nothing is permanent. But then again, that applies to most traditional jobs nowadays, except for government employment. Those who convince themselves otherwise are fooling themselves.

If I don’t work, I don’t get paid. In my circumstance, sometimes even when I do work, I don’t get paid. There are no benefits – except the ability to say “yes” or “no” to anything, and to make your own choices, agreements and schedule. No paid vacation, no sick leave, no retirement savings programs, no health or life insurance. Not even any guarantee of hours or certain amount of pay per week.

Income is unpredictable. One thing that is predictable is that Giggers will constantly be scrambling for income, replacing one lost or concluded gig with another.

An October 13, 2016 CNBC report said employment in the Gig Economy is growing “far faster” than traditional payroll employment, according to a Brookings Institution study. An author of the report said the data showed a trend indicating a “potentially seismic reorganization” of the economy and employment arrangements.

Until a year ago, I counted. I was included in the Labor category “Employed.” For the previous 10 years, I held two traditional jobs, with a salary and benefits. As long as I showed up each day, I could get paid the same, whether I surfed the Internet all day and took two-hour lunches or hunkered down and grinded on the corporation’s mission. Not anymore.

At the same time I began the two-year internship portion of my interminable master’s degree program in counseling – a minimum 12-to-15 hour weekly commitment – my full-time public relations job started going south because of institutional disarray. My employer and I soon ended our union. I was suddenly without the safety net of the full-time, permanent gig, except for the frayed, patchwork, hole-ridden net of the Gig Economy.

I fell back on teaching tennis, which I had done during other periods of unemployment, and ramped up my hours as a counseling intern at an outpatient mental health center, something that was impossible to do while working full-time and which significantly aided me in meeting my master’s degree requirements. But my income was in the toilet.

I landed a great gig for the summer, between academic semesters and internships, as a tennis teacher at a resort in Bethany Beach, DE. But like many gigs, it was short-term,

bethanybeachconcert

A gig at the Bethany Beach, DE Bandstand, where I had a summer gig as a tennis teacher.

offered no benefits, and produced an unpredictable income stream. For the time I taught on court, I made decent money. If I wasn’t teaching – waiting around at the club for the next paying hour or bumped out of teaching because of too little customer demand and my low ranking on the pecking order of tennis pros – I made minimum wage. I taught a good amount over the summer – but also spent much time earning $8.25 per hour. The job ran parallel with vacation season, late May to Labor Day.

 

At 4 p.m. on Labor Day, the gig was up and my income ceased. Now I’m cobbling together an income from three sources – another counseling internship, where I’m lucky I get paid at all, but only at half-rate and only when erratic and inconsistent clients show up; a writing tutor job at Loyola University, where I’m a student; and itinerant tennis teaching. I’m working erratic hours seven days a week. And I’m still searching for more work – more regular and consistent tennis teaching to maximize income for my still-available, Swiss-cheese hours.

The nature of membership in the Gig Economy is to be in a constant state of searching and scrambling for the next gig, the most reliable gig, the best-paying gig for the time we must devote to it. We can’t rest, lest the hour glass runs out. We have to see beyond the horizon, because everything ends or fizzles out. We have to be chess players, thinking three or four moves ahead.

But membership in the Gig Economy has its advantages. I’m much happier with my work than I was at my last job. I have flexibility and control over my schedule. I have variety. I’m not bored at anything I do. I can move on when I feel like it with little angst. I like the direction I’m moving. I’m more free and self-directed.

I may hold other permanent jobs in the future, likely in a counseling capacity. But I’m also pretty certain I will be retaining membership in the Gig Economy for the rest of my working life in one form or another. It’s just a matter of putting all the necessary pieces together. I am a free agent, and I like it that way.

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