Underemployment | Working Stiffed

Obamacare Has Sentenced Me to Death

Yes, it’s true. Obamacare has sentenced me to death…and financial destitution. I feel it’s important to address this issue on this, the last day we are told to register for Obamacare without incurring an unconstitutional tax penalty.

I have been without health insurance, which I cannot afford, for a year-and-a-half and I live in a state that does not extend Medicaid to people in my position. As a result, I am one serious disease or accident away from certain death.

After dutifully paying taxes for close to 40 years, helping to send other people’s kids to school (I don’t have kids) and funding food stamps and benefits for thousands of people, my government is repaying me by turning its back on me during my hour of need…and penalizing me for my new-found destitution, to boot.

How did this happen? I am a 52-year-old woman who was last employed in a full-time position with benefits four years ago; I was part of a group purge after my company was acquired by a competitor. This scenario is familiar to most of you, I’m sure. I thought I’d find another job with benefits easily, but I was wrong.

As The New York Times recently reported, women over 50 account for half of all long-term unemployed people. After remaining steadily employed in good, white collar lower management positions for more than 30 years, I was suddenly an unwilling participant in the trendy new gig economy out of necessity.

For this I owe a big thanks to Bill Clinton and NAFTA, which destroyed the American middle class by allowing companies to ship jobs overseas and import H1-B visa “guest workers.” Now, many of us find that we’re unemployable more than 20 years before we can collect a pension (if we even have one) or Social Security (if it will still exist by then).

My new reality involves going months without work, or “contracts,” and even when I do get a temporary contract position, my “clients” periodically cut my hours without warning. As a result, I made less than $10k last year.

Needless to say, I can’t afford the so-called affordable insurance Obama promised. According to the Affordable Care Act (ACA) health care exchange marketplace, I’d need to pay $550 a month for a policy with an $8,000 deductible. And what good is a subsidy when you go months without any income?

A low-cost, pre-Obamacare catastrophic insurance policy would be helpful right about now. Unfortunately, Obamacare-less forces me to buy an overpriced policy with a high deductible, so that I can share the privilege of paying for some dude’s Viagra prescription and pediatric dental insurance (like I said, I don’t have kids).

To make things worse, I’m about to get hit with the Obamacare penalty…and this is on top having to drain my savings and take hardship withdrawals from my 401(k) (which I am also about to be unfairly penalized for) just to survive in our “new normal” transient, gig economy that mainstream media finds so hip and trendy.

I’ve decided that if something happens to me health-wise, I’m just going to die, because if I am hospitalized, I stand to lose my home and what little I have left, so why bother sticking around?

If you like Obamacare, it’s probably because you don’t need it

I am so tired of brainwashed Obamacare defenders crowing about the 12 million Americans who couldn’t get insurance before now having coverage. Frankly, in a country of 330 million people where close to 100 million are out of the workforce (many not by choice), that’s a drop in the uninsured bucket, so bragging is totally uncalled for. Maybe they’re promoting this “success” because they know that math-challenged Common Core students are easily impressed by any number you throw at them.

Obamacare supporters are also quick to blame states that don’t extend Medicaid. Why? Should citizens of states that aren’t on board with Obamacare be penalized? There wasn’t a Medicaid referendum in any state that I am aware of.

And, if Obamacare is supposed to mandate affordable insurance for all, why didn’t it nationalize Medicaid? At the very least, it should exempt those of us who live in Medicaid-deprived states from Obamacare.

And then there’s the pre-existing condition clause. Sorry, Obamacare defenders, but I’m not down with being stuck with the rest of this ugly baby just for that one benefit. Besides, a single-payer health care solution would take care of pre-existing conditions just as effectively. As it stands, the insurance companies are offsetting their pre-existing condition “losses” with double-digit rate increases each year.

Not surprisingly, I find that the strongest supporters of this crony capitalist screw job are people who have employer-paid health insurance or at least make or have enough money to overpay for their insurance.

I know a couple of people who used to sing the praises of Obamacare….until they lost their jobs, were forced to join the gig economy, and had to actually rely on Obamacare for coverage. Needless to say, both have now joined the repeal Obamacare bandwagon.

It’s unconstitutional

The lie Obama sold us (among many) when he was promoting this travesty was access and affordability…and, of course, we couldn’t keep our doctors, after all (not that we can afford them now anyway, so I suppose this is a moot point for those of us who inhabit the Obamacare penal colony). I admit that I bought the spin. I even voted for the lying clown. What we got instead was a gun to our heads forcing us to purchase an overpriced product from PRIVATE companies or face hefty, escalating tax penalties.

No income limits were set; whether you make $10k (or less) or $100k a year, if you don’t buy insurance, you get taxed. Seriously? How is that legal? Or fair? First of all, people who make less than $30k shouldn’t pay ANY taxes, never mind have tax penalties imposed upon them.

And if Obama was so hell-bent on insuring us, why didn’t he mandate maximum premium amounts that insurers could charge? Say, $200 a month? Let’s call Obamacare what it is: a blank corporate welfare check to the insurance companies.

Not a peep from presidential candidates

NOT ONE presidential candidate has addressed this travesty. Several running for president are sitting members of Congress. They’ve taken a two year paid vacation on our tax payer dime to attend fundraisers and campaign for an office most don’t stand a chance of winning. Must be nice.

NOT ONE of them (including our socialist man of the people, Bernie Sanders) can be bothered to spare a moment to introduce legislation NOW to at least waive the “Cadillac tax” penalty. No, instead of nuking the toxic provisions of Obamacare, Congressional members voted to repeal the whole thing, knowing that the president would veto the resolution….pure theater…or political masturbation.

As a member of Congress you have a unique opportunity to demonstrate your leadership abilities through legislation, and there’s no time like the present. That’s probably the ONLY advantage you have over Donald Trump. Talk is cheap. So, why not lead by example? Because, frankly, too many of us don’t have a year to wait for action…nor do we trust empty campaign promises.

Speaking of leading by example, I invite Obamacare defenders to show me how great it is by contributing funds to pay my Obamacare tax penalty and/or my monthly insurance premiums. On second thought, the way our economy is going, maybe you should hang on to your money…you’ll probably need it to pay for your own “affordable” Obamacare insurance someday.

It’s become obvious to me that the mission statement of most mid- or large-sized companies in the U.S. is : “Know the price of everything and the value of nothing.” How else to explain the epidemic of underemployed and unemployed people over 40?

A Business Journal contributing writer recently explained why companies don’t want to hire people over 40. Below are the reasons he was given by people who hire:

If they hire an experienced, mature worker at a salary that is clearly below what he/she should earn (should being the operative word here) they’ll be gone as soon as something better comes along

Working Stiffed response: So…pay them what they should earn…duh! How much money do companies lose because of the sometimes expensive mistakes made be less experienced, “cheaper” employees? Besides, wouldn’t it make more sense to have a few mature, experienced workers around who can mentor younger talent?

For that matter, what should companies expect if they underpay anyone, young or old? Do they think people will stick around for the pleasure of their manager’s company or to admire how effectively the CEO spends all the money he/she gets to keep by underpaying their employees??? Good luck with that.

If an experienced, mature worker accepts a lower salary than he/she should be earning (should…there’s that word again) there’s probably something wrong with him/her

Working Stiffed response: There is something wrong with unemployed mature workers; they are out of work for no good reason. I’d argue that there is really something wrong with short-nearsighted hiring managers and business owners who leave valuable talent at the interview table because of greed and ageism.

Job candidates over 40 who don’t get the job may sue for age discrimination

Working Stiffed response: And they should, if that is the only reason they are not being considered for the job, but the reality is they probably won’t sue you. In an environment where unions are routinely demonized and destroyed, few workers expect to find a sympathetic ear in the courts (and recent regulations have only reinforced employer-favored outcomes).

Besides, such an action would dash any hope of finding work, and finding a job when you’re over 40 is hard enough without having a failed age discrimination lawsuit to contend with during interviews.

Companies want someone who will stay for a while, and someone over 40 might retire sooner than they want

Working Stiffed response: As best as I can tell, most companies don’t want people to stick around, unless they’re young, cheap and don’t screw up too much. If a business is sincerely looking for long-term employees, they should prefer generation-Xers and baby boomers; they are more inclined to stick around and work hard, if they can land a decent job where they are appreciated.

Most millennials will tell you that they are not obsessed with money and they also don’t want to spend up to 80 hours a week trapped in an office. Thanks to all the zombie, vampire and doomsday scenario entertainment they grew up with, many are focused on having as many invigorating life experiences as they can before the zombie apocalypse, so good luck with your youth-focused succession planning, Mr. or Ms. Hiring Manager.

Besides, who can afford to retire these days? I swear I saw a former VP I worked with bagging groceries at Publix the other day.

Workers over 40 are too set in their ways

Working Stiffed response: Not necessarily; we’re just used to doing things the right way. What some people call “set in their ways” others call avoiding mistakes learned through trial and error. But don’t worry; we have the maturity to sit on the sidelines and let the young guns try out “awesome” out-of-the-box ideas, even if we know these sparks of innovation will turn into a waste of time and money.

The value of workers over 40

I’m sure the writer of the Business Article meant well; after all he was trying to sell the virtues of hiring mature employees. Unfortunately, the emphasis of the article was to inform companies that they have an opportunity to benefit from hiring experienced older workers at any crap salary they choose by exploiting the fact that many are now broke and desperate after being forced out of the workforce. It’s hard to appreciate such support when your alleged sole virtue is that you’re a bargain who should be fished out of the clearance bin.

Instead of focusing on the reasons to avoid hiring experienced workers, let’s look at the benefits of hiring qualified people over 40 (and, no, saving money by underpaying them isn’t a sound strategy):

If you pay us what we’re worth, we will likely MORE than earn our salary

We’ve already learned from our mistakes, so we won’t make them on your dime. Plus, we can hit the ground running and we’re more likely to have the emotional maturity needed to build relationships with stakeholders and to work well with others (that go-getter ego a lot of young managers have often works against getting the job done efficiently or effectively).

If you hire us at a salary worthy of our experience, you’re also likely to get a hard worker who is less likely to jump to another opportunity

Young people know that the only way they are going boost their pay is by jumping to other companies. And if they’re valued at one company, the odds are they’ll be appealing to another company…maybe even a competitor.

A mature employee is more likely to keep their wisdom and hard work ethic around longer, especially if they are paid what they are worth and are appreciated, because they know their job jumping days are behind them.

You need experienced workers to mentor your young talent

When I entered the white collar workforce after graduating from college, I had the benefit of working in a fully staffed department (back before “economies of scale” shrunk every operation to the bone). I learned a lot from my older, experienced coworkers. I don’t think I would have become as skilled in my field without their guidance.

If you have several employees, it’s a good idea to have at least one seasoned veteran to show them the ropes. And if you have limited resources for staffing, you probably don’t have the budget for costly trial and error, so if it comes down to hiring young and cheap or shelling out a little more for an experienced over 40 worker, you’re better off erring on the side of experience.

You get what you pay for

The last year I was employed as a full-time marketing manager, I generated more than 30 times my salary in revenue for my company. When I lost my position after my company was acquired by a competitor, my job was eliminated in favor of the acquiring company’s young, inexperienced manager.

Because she had little hands-on experience, in the year following my departure, she spent more than four times her salary on outside firms and consultants (which I never needed to do); and not only could she not replicate the success I achieved during my tenure with the company, but she allowed the leads and momentum I was building to evaporate.

In the four years since my departure, several former colleagues told me that the company’s marketing efforts are failing miserably, even as they keep adding more young marketing executives.

So, to all the hiring managers and business owners out there, I say keep hiring (and underpaying) inexperienced talent at your own risk. Sure, youthful innovation has it’s place, but so does experience. And the money you save in salary now may end up costing you your job or hurting your business tomorrow.

Being a freelancer these days has a lot of perks: you make your own work schedule and you can work from the comfort of your home, thus you can avoid messy office politics, getting stuck in commuter traffic and blowing your ever-shrinking “gig economy” earnings on a “business casual” wardrobe and workplace lunches.

Sure, there are some challenges to freelancing, like convincing clients that your rates are reasonable while they plead poverty or hide behind budget cuts, or getting them to pay you on time (or at all), or having to diplomatically push back on their requests for additional revisions or input that they don’t feel they should have to pay extra for.

Still, the biggest challenge I’ve found as a freelancer is my lack of psychic ability.

If you’re a freelancer, you may have noticed that your clients tend to fall into two categories:

Small businesses that need to hire you because they don’t have the in-house talent to do what you do (e.g., marketing, Web development, etc.).

Middle managers in mid- to large-size companies that have downsized their marketing or IT departments into oblivion who need you to help them get the work done (without having to offer you a steady salary or benefits).

Champagne Dreams on a Spam Budget

Small business clients don’t like budgeting for anything outside of their company’s inventory, so when they reach the painful conclusion that they need to hire you to help increase their brand’s visibility, your biggest challenge is usually managing their expectations.

Even if you find yourself pricing their projects on the low end of your rate scale and they can only offer you a limited amount of work, some clients will expect your handiwork to deliver astounding results in record time.

This is when the fun starts. With some small business clients, you can expect one or both of the following outcomes:

(a) You will spend the next three months asking for your money.

(b) Your client will continue to ask/expect you to do more work outside of the scope of your original agreement until they feel they got an adequate return on their investment. Some of us foolishly keep feeding this beast in the hope that someday these clients will actually pay us for the original work.

If you were psychic, you could avoid a lot of aggravation by knowing ahead of time who won’t pay you or who will likely run you into the ground making you “earn” your money.

I May Not Know What I Want…But I Know What I Don’t Want

Sometimes it’s easier to work with mid- or large-size businesses, because the manager who hires you is more likely to process your invoice…unless they are so overworked that they keep forgetting to do so (which happens more often than is acceptable). Still, as long as they have the budget, you’re not likely to get any push-back or experience unreasonable haggling.

The biggest challenge of freelancing for larger companies is that the mid-level managers who tend to hire you are so overworked that even though they desperately need your help, they often don’t have the time to provide you with what you need to do the job right.

As their hired gun, you’re priority No. 59 on their long to-do lists…way below assisting their VPs and other important business stakeholders, planning the company United Way drive, booking their vacations, arranging their bimonthly date nights with their spouses, finding babysitters for their children or getting their dogs groomed.

Sometimes these clients don’t even know what they’re asking for, while other times all they know is what they don’t want. And woe to the freelancer who receives limited guidance and inadvertently submits what they don’t want.

These clients expect you to have the skill to write or develop exactly what they would, if they only had the time. So what if they’ve had months or years to become well-acquainted with their company’s business objectives, and to attend company-sponsored training and meetings on a regular basis when you haven’t? You oughta know what they’re looking for, anyway, dammit!

The Phantom Lucrative Project

Another potential pitfall of being hired by a large company is one I call “the phantom lucrative project.” A typical scenario involves you blocking out weeks to do a job after being hired by a large, reputable company. Sometimes, you’ll be so happy you got the gig that you’ll celebrate by going on a shopping spree for laptops, patio furniture…or food, if things have been tight for you financially of late.

Then, you hear nothing more from them. When you contact your client, you are given excuses as to why the project is being delayed (e.g., they were on vacation, the project still needs approvals that your client wasn’t aware weren’t in place when he or she hired you, etc.).

The fact that you turned down smaller projects to work on their mega-project doesn’t resonate with them. After all, these people get paid even when they’re working on their tans in Cabo.

Sometimes, if you’re really lucky, you’ll wait for weeks to start the project only to be told that it’s been canceled (again, for any number of reasons from budget cuts, to the need to move resources to a more important project, or the project has been mothballed so long it’s actually now irrelevant…or the sponsor was terminated).

Having the psychic intuition to avoid these phantom projects would help keep you that much further away from financial ruin.

Having a pay-or-play deal in place would also help. Unfortunately, unless you have a waiting list of clients or you’re regularly profiled by the top trade media in your field, that ship won’t sail. Your prospective client will just move on to another freelancer who will agree to grant the company the option of leaving them hanging without compensation. Ah, the joys of working in the “gig economy.”

Since I wasn’t born with psychic ability, I’ve decided that the best gift I can receive this Christmas is a crystal ball that can offset my psychic shortcomings…or better yet, a winning mega-jackpot lottery ticket that would get me out from under the freelancer-client bus for good.

If you’re over 50 and feeling your age, don’t look to Corporate America for validation; corporations these days seems to think you should quietly head to the white collar glue factory when you reach the half-century mark.

Today, long-term unemployed 50-somethings often find that reemployment is as elusive as finding a male Kardashian. Those of us who were born in the mid-60s are particularly vulnerable in this Great (lingering) Recession, even when we can find work.

According to an AARP Public Policy Institute survey, almost half of the respondents between the ages of 45 and 61 said they were earning less than they used to earn. Many also have limited or no benefits and are underemployed (working part-time).

Wedged between baby boomers and millennials, late boomers/early generation Xers who reach their 50s are being squeezed like an inconsequential economic zit. Despite our skills and professional maturity, few companies value what we offer enough to retain or hire us.

Thank God we’re a tough bunch. After all, we came of age after the boomers born in the 40s and 50s. With popular 80s mantras like “greed is good” and “the one with the most toys wins,” we knew right away that we had our work cut out for us…pun intended.

My boss at my first job out of college was a personable boomer dude who always praised my work. He dutifully gave me a raise each year; albeit a smallish one for the time, and he always apologized that he couldn’t give me more. Since we worked for a not-for-profit trade association, I never questioned his sincerity.

When he left for a cushier VP role at another company and I finally saw the budget (he never let me see it), I learned that we got PLENTY of money for raises each year; he just chose to keep most of the money for himself. Variations of this theme would pop up frequently throughout my career.

The “me generation” is STILL parked at the top of the corporate food chain. Although many of them can afford to retire in comfort, they’ve made it clear that you’ll have to pry their leadership roles out of their cold, dead hands. Too bad, Gen X.

And then there are the millennials. I feel bad that they are saddled with hideously bloated student loans, I do. But hey, they’re still young, and because they were weaned on iPads, they have plenty of time to develop an app that they can sell to Facebook for a couple of billion dollars.

I have always been an early adopter of technology, but like everyone over 45, I often find that I have to prove I’m not a Luddite. Last year, I interviewed for a management position at a digital marketing firm. My third interview was a group interrogation by the company’s late boomer CEO and his team of 20-something executives.

During the interview, one of them asked to see my phone. I think he expected me to pull out a flip phone, like one of those Jitterbug phones with the big numbers our parents like. I didn’t like my chances at that point.

Surprisingly, I got the job, but alas, it was short-lived. I was given a desk in an open floor plan, surrounded by my young colleagues. When I asked one of them one day where the printer was, he looked at me like I had crawled out of Jurassic Park; they never printed anything, he said…and they didn’t have any pens, either. So, shoot me, I thought. And that’s just what they did.

Apparently, in lieu of decent benefits and wages, this company determined that the best way to keep their young workforce from going postal while working 60 hours a week was to hand out Nerf blaster guns. Was this done to discourage them from considering real guns? Maybe. After all, sixty hour work weeks will take their toll on you, even if you are young.

Several times a day, someone would start shooting and then all hell would break loose. I was getting nailed by Nerf bullets while I was writing or on an important call. After two weeks, I took my shattered nerves and walked out of that digital romper room for the last time.

I’m not saying that we shouldn’t feel bad for the boomers who ended up on the wrong end of a Bernie Madoff deal, or for millennials who are stuck in low-paying jobs with huge student loans. We know all about them. And that’s the point.

As the Pew Research Center recently found, Generation X is “America’s neglected middle child.” We used to be too young to assume lucrative leadership roles from the boomers, and now millennials think we’re too old.

So, what to do? If few want to buy what I’m selling, maybe it’s time for me to pimp my cats on YouTube. A funny video of a cat with OCD might help put me back in the black, right?

Tag: underemployment

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