Hi Guys - sale again yesterday and Dan was gone till 7 p.m. last night. Originally he thought he was working from home but alas, no luck and so, I was not on the computer long enough to post - I read everyone though!!
Vent/explanation of other stuff:
To top off the suckfest of bad luck lately, the kids Dad found out he was officially laid off yesterday.
And with the job of course goes the kids health insurance unless Cobra is used, to the tune of approx $900 a month. Because Baylor has his grafting and Carsyn has her medical implant in her back and the knee situation, getting other insurance becomes sticky.
Love finding out at the last hour of May. We had tons of appointments set for June once school was out, so they weren't missing more days.
Carsyn knee follow up and surgery. Baylor has his appointment in 2 weeks to meet with the independent panel of docs, who will review his leg and give him the exit review, so we can settle with the homeowners. So June Cobra is an absolute must at least.
Then you have Treyner and soccer in college. He has to have coverage.
So next week I will be making a ton of calls, finding out what we can do to find alternate coverage.
Secondly, I found out that although, in Baylor's settlement, the homeowners has to pay for an attorney to represent Baylor because he is under 18, the attorney will not be involved till the actual court date. So for the next month, I will be the one to do all the leg work an attorney would be doing, having done through their office. Gathering all the reports from the fire chief, social workers, burn docs, school etc. that pertains to Baylor's accident as well as interview him and others about how he has been affected etc. OOP costs for us from Prescriptions to dressings to gas. Time spent, etc. Then I send it to the claims adjuster.
She and her manager offer a settlement. If I do not agree with it, I say ,no, we counter and on and on it will go until we agree. At that point we go to a judge, the "free attorney is present," and the judge can decide if the settlement is fair for Baylor or not. If he/she thinks it is too small, they can alter the decision at that point and actually award Baylor more if there is room left within the policy or take away some from the health insurance company and give to Baylor etc.
If we do not agree on a settlement, the "free attorney" will be in court to help fight for Baylor to prove what we think the settlement is worth. If we hire an attorney, yes the legwork is all done by them, but they also would take 30% of whatever Baylor does get and from all my resources, because of Baylor's age, the judges go out of their way to make sure a child is protected and so the money spent on the attorney is not as crucial as in an adult case.
The maximum of the settlement is already established by the homeowners policy, minus what Baylor's health insurance wants reimbursed.
Re-living it all and having to ask him a ton of questions will not be a fun experience and that piece, I am dreading more than anything.
Well that's the update on the soap opera around here. I feel better when I let it all out. I know for myself when there is stress in my life and I just pack it in, I eat like I have not seen food since, "Pretty in Pink."
I am going to get the roll call updated and the tracking chart done tonight at the latest.
Dan works today from 3-7 at the
Disney store so I will be home, alone and have my fingers busy here!!!
