Follow up to Check’s in the Mail – Maybe

Alternatively called, “People are Stupid.”

So I talked to the life insurance people…finally. A snapshot of the conversation:

ME: I didn’t receive the letter or the form I need to fill out for the rest of the policy payment.

PERSON: That doesn’t make sense.

ME: Well, I got the first check, but not the letter. Can you resend the letter?

PERSON: Why wouldn’t you have it? We sent it to you.

ME: Well, you know the USPS (uncomfortable laugh by me). I got the check, but not the letter. Can you just resend the letter and the form I need to fill out?

PERSON: Well, how did you get the check and not the letter?

ME: Um, I don’t know. Were they sent in the same envelope?

PERSON: Of course not. They were sent a week apart. But if you got one, why wouldn’t you get the other?

ME: Can you just resend the letter and the form?

PERSON: I guess so, but why don’t you have the letter and the form?

ME: I. DON’T. KNOW. CAN YOU JUST RESEND IT?

PERSON: There’s no reason to get upset. I just don’t understand.

ME: Look, I need the letter and the form. You have the letter and the form. I don’t know where the hell that envelope is and frankly, I don’t care. I just need you to resend.

PERSON: Fine. I’ll resend. This just doesn’t make sense. Can I confirm your address? (Repeats address correctly) Well, that’s where we sent it – you got the check, so why don’t you have the letter?

ME: Look, I don’t know. It’s lost. Can you put another copy in the mail and send it to the address you just read to me?

PERSON: Well, I don’t know what good that will do if you aren’t getting your mail.

ME: Then send by FedEx or UPS.

PERSON: Well, we really don’t do that…

ME: And that’s why I don’t have it…  

———————–

What the hell?! Bets on whether or not I get the letter and form?

Check’s in the Mail – Maybe

I got home late last night, around 9:00. It was a late work night, followed by a few errands. (Sidenote: I’m traveling to NYC to meet with fashion editors next week for work – I’m a little stressed about what to wear, and of course, couldn’t find ANYTHING while shopping last night. Funny how you can never find what you want when you HAVE to find it.)

Came home, phone chat with a friend, went through the mail. There it was… an envelope from our life insurance company. I picked it up. I set it down. I picked it up. I set it down again. Then I opened it.

It’s weird, holding a check with that many numbers, knowing that the only reason you have it is because someone is dead. Then I realized that the amount wasn’t right. It wasn’t enough, not the amount of his policy.

I went to the safe, pulled the paperwork, but quickly realized that I don’t have any of his life insurance papers, only mine. I gave him all his papers when he picked up his stuff in November. I don’t have anything verifying that this wasn’t the right amount. Damn.

I went back to my notes, from when I originally called the life insurance company to make the claim. Sure enough, there’s a number written there. Yes, the check amount was wrong. Heart. Sinking. WTF?

I spent all morning talking to the company through which we have life insurance (which, it turns out is not the company who sends the checks – huh, probably should have known that). They have notes saying the second part of the claim is being investigated and requires doctor verification – and didn’t I read the letter that was sent at the end of last month?

What letter? I didn’t get a letter. The woman read it to me and faxed a copy, but the company didn’t have the forms that were referenced in the letter. And, of course, there’s no way to reach the OTHER company today because they’re moving offices. No phones, no email, nothing.

Sidenote: Really? There are jobs in which an office move means no one works? Where are their Blackberries or iPhones? Where are their wifi connections and work-from-home laptops? How do I get a job there? (Kidding, not sure I want a job at a company that obviously operates in the stone age…or do I, as I sit in the office at 7:15 p.m. on a Friday?)

So, I’ll wait. All weekend. To find out what the heck is going on. And how it can get resolved. In the meantime, I need to figure out what I’m doing with this check. Why haven’t I called a financial planner yet? Another thing for the to-do list.

Lawyer Up?

You need a lawyer.
You don’t need a lawyer.
You need a lawyer.
You don’t need a lawyer.
You need a lawyer.
You don’t need a lawyer.

WTH! Why can’t I get a straight answer on whether or not I need an attorney for this death and “estate” stuff?

RANDOMNESS: Pointing Fingers and Greater Understanding

There are times I let my mind to go a bad place in which I want to question people for not seeing what was happening with Mike, and for not stopping it.

Like his parents. I never had a good relationship with them. And neither did Mike. But that’s where he lived for the last five months of his life. (To the end, Mike never let me forget that he hated it there. He blamed me for “making” him stay with his parents. I told him to get a job and then he could live anywhere he wanted. That message was NEVER well-received.)

How could they have missed the signs of liver failure? From what I heard from the coroner’s office, he was pretty yellow.

How could they have overlooked the seriousness of his lack of muscle tone? From their own accounts, Mike was extremely weak in his last week. He couldn’t walk from the bedroom to the bathroom by himself – rooms that were right next to one another in their small house.

How could they have missed the severity of the flu-like symptoms, also self-reported by his parents?

His mom told me that she wanted to take him to the hospital, but that he didn’t want to go. She told me, “As a mom, you know that if you’re child doesn’t want to do something, you can’t force them?”

Excuse me? Isn’t that the JOB of a mom? To act in her child’s best interest, regardless of if they’re 4 years old or 38 years old? If things were that bad, why didn’t she call an ambulance?

I wonder how I will explain someday to Ethan and Lauren that these very obvious signs were grossly overlooked by two capable grown-ups who should have known better and should have taken action.

__________________________

When I start going down the finger-pointing-path, I realize that if I question others, I also have to examine my own actions.

I discovered the severity of Mike’s drinking when I was on maternity leave with Lauren. Until that time, I knew he drank – he always drank. Drinking wasn’t the issue – a beer after work, a martini or two on the weekends. When I look back, I really didn’t know what was happening in my own house.

Was it because I was working so much? I held a senior leadership position and put in very long hours, especially after Mike lost his job in December 2009 and before I was going on maternity leave. If I didn’t work 60+ hours a week, would I have seen the signs?

Why didn’t I question why we were getting so many calls from 800-numbers? I didn’t know until maternity leave that these calls on my caller ID were from creditors, most of whom hadn’t been paid in two, three, four months. Still, I looked at the ID and rarely questioned why . (The cordless phone was almost always dead or hidden from me, so I didn’t retrieve the messages.)

Why didn’t I push harder for why he was spending so much time in the basement? He said he was having trouble sleeping, so he wanted to sleep on the couch down there so he didn’t disturb me. He very rarely came upstairs to bed in the last few years, maybe once every three weeks or so. I asked him about it, but he held onto his sleep story.

I look back at the photos from these last few years – the few there are of him, since he was rarely with us – and the look in his eyes is distant, funny, out-of-it. You can tell by his eyes – the expression, the amount they’re open or closed, the lack of spark – that he’s drunk. Why didn’t I ask more questions?

Mike was very, very good at lying and hiding what was going on. He was also very clear on what he wanted: “I want to drink. I’m going to drink. You can’t tell me what to do.” I heard him say this at least 500 times in the last year of his life.

____________________________

I’ve learned a lot in the past few years: I can’t control others. I can’t change them. People who don’t want to change, aren’t going to change. There isn’t enough guilt, screaming, uber-niceness, threats, overly accommodating, or anger to make someone do something they don’t want to do.

And I’ve also learned to be less judgmental of others. When Ethan acts up because he’s having a rough day missing his dad, and the other moms and kids are looking at us critically, I realize that they don’t know what we’re going through – this little kid has no dad, and sometimes that confusion and anger and frustration are going to come out in inappropriate ways, and I might turn the other way, knowing that he’s having a tough time, and let him get away with behavior that I would normally not tolerate. In turn, I don’t realize what other moms are going through when they’re in similar situations.

Understanding has been one of the best things to come out of this.

UPDATED: Certificates Make It Official – Maybe

I have a certificate for giving blood on September 11, 2001. I have a certificate for participating in a former employer’s management training program. I have a certificate for participating in a financial literacy class. Hell, Ethan came home today with a certificate for sitting through a few months of Junior Achievement. Certificates – they hand them out like nothing…

And now, I have another certificate. This one says that Mike is dead.

Side note: I had to sign for the death certificates. Weird that my signature was required for a few pieces of paper, but his cremains – well…whatever

Thank God I took Greek and Latin etymology in high school. I challenged myself to break each of the causes (one primary and three secondary causes) into their root parts to decipher the meanings. Hepa = liver. Cardio = heart. Mega = large. Myo = muscle. Pathy = disease. Bili = bile.

I wanted to figure out the meaning of each of the words myself. It stretched my brain to recall information from 20 years ago. It prolonged the reality of KNOWING.  

Then I looked up the definition of the super-long, jargony causes of death, just to be sure. Bottom line: liver failure – 2 and super-duper weak heart – 2. All four causes were due to alcoholism.

Side note: Wouldn’t it be nice if the medical examiner could use “real people” words instead of a bunch of 18 letter dealios? Seriously, thank God for the Internet, but real words would have been better.

I spent a few hours wondering how long the drinking had been going on. And how I could have not seen it. I knew he was an alcoholic for a year before our separation, and I suspected the hard-core drinking might have started another six months or so before that. But now, I’m thinking, no I know, that it was going on a lot longer than that. Bottom line: he lied to me for the last two years of our marriage, then he died, so I’ll never know when or how or for how long or why…

Then I noticed the small, fine print at the bottom of the certificate. Line 28A (cause of death) and line 33 (manner of death, i.e., natural, accident, suicide, etc) were noted as “Pending Investigation.”

Investigation of what? Is there another cause of death for “alcoholic steatohepatitis”? You know, other than the alcoholism part that caused the steatohepatitis?

Of course, the ME inFt.Wayneworks, like, five hours a day, so I have to wait until (late) morning to call and ask what “pending investigation” means. And when the “pending investigation” will be closed and resolved. And if, when it’s closed, if I have to get more death certificates (because Hot Diggity, these things are ridiculously expensive)…

Damn, nothing can be just cut and dry, easy breezy.

Side note: Sorry for all the side notes. It’s a side note kind of night.

UPDATED: I just talked to the funeral home about the “Pending Investigation” on the death certificates. Per Indiana law, every change to a death certificate needs to include what was previously listed in a little bitty section at the bottom of the document. In this case, the coroner released the body to the cremation people (since the cause of death was pretty apparent by the condition of his liver), but since toxicology results weren’t in, the cause was listed as “Pending Investigation” on the death certificate (which had to be filed so the body could be cremated). Once toxicology results were back from the lab, the official cause of death changed – but “Pending Investigation” will always be part of the document since it was on the original version. Whew!