Author Topic: Work PTO time runs out  (Read 3188 times)

bloodless

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Work PTO time runs out
« on: April 04, 2013, 12:17:12 PM »
I'm blessed do have job that I can sit down all day, but all the doc visits tends to run my personal time off out. I'm on methotrexate, so I have to do a lab appointment once a month as well. I end up using my vacation time on doc visits every year. I'm curious to know how many of the group still work and if any of you have been able to stay within the confines of normal pto.
I miss the good old days. Things were more like they used to be back then.

Sjogrens, Lupus, Fibro, GERD

lr214

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Re: Work PTO time runs out
« Reply #1 on: April 04, 2013, 03:32:56 PM »
I was about to start a new thread about work, but saw this. I've been feeling so rotten for long, still trying to work 30 hour weeks. Can't remember if it was 2 or 3 years ago, I was missing too much time, my boss said I could cut my hours from 40 to 30 hrs & keep benefits. Now I can't even work 30. Every bit of vac and sick time I accrue gets used as fmla but its not enough so I take off with no pay and then worry about how to pay the bills.

So, what I was going to post is this:
How does one know when to quit??? How can anyone afford to do it? I hate this. I want to work, have always worked but for few years I took off when my kids were babies. DH encouraged me to go back to school, finish my BS, so i could have a professional career, but it's just become a nightmare. Now we can't pay off our debts unless I work. Have a 4 year consolidation loan. But this is killing me. I'm so depressed because I can't do it. My house is a disgrace. I barely cook anymore. Too sick and tired to stop for groceries.  Can't remember the last time I cleaned my car. It's gross. I couldnt even get to a massage appt. last weekend. DH buries himself in his 'projects' (i.e., the sand) and attempts to pick up the slack every once in a while but, doesn't feel guilty about living like this like i do. My boss can't depend on me to show up and when I do half the time I can't think straight. I feel really stuck.

My advice is to plan for disability so you don't end up like me. If we had managed our finances better we could afford for me to quit and not go more into debt while applying for ssdi. I'm sure I'd qualify but can't go several months without income waiting to get approved. Even if you don't become completely disabled you may need help if you want to keep working. This situation I'm in has caused me so much anxiety and I know I'm sicker for it. I tried to get across to DH for years that I was not going to be able to keep up this pace, but I guess i'm just going to have to do this until I drop. Or get fired. 

Sorry this is so long and negative. I used to be so optimistic. Please don't end up like this.

Cassi307

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Re: Work PTO time runs out
« Reply #2 on: April 04, 2013, 05:47:39 PM »
Bloodless I took early retirement 4 years ago because of health issues which stabilized after I left. I still have a teenager and I really needed the money to pay bills. I got really lucky and was hired by the place where I was volunteering. I only do 23 hrs a week and I LOVE what I do. The problem is SS has entered my life and taken it over. I am hoping to find a way to manage it without giving up what I do and giving up the income that I need.
Ir214 I am so sorry that you are struggling I really feel your struggle. Sometimes I wish that I did not do early retirement but how could I predict how my life was going to change? I understand the wait for ssd approval. I know individuals who were turned down the first time they applied. It's a hard process. Do you have an EAP program at work? Can you document your ADA status at work? It will be harder for them to terminate you.
I think I am quoting someone from this forum who reminds us to stop and breathe. Sometimes anxiety gets in the way of finding a solution. Oops let me go look in the mirror and repeat that!
Sjogren's, seronegative RA,  ckd, hyperparathyroidism, asthma,  osteoporosis,  Meds:  amlodipine, low dose Prednisone, calcium, sodium bicarbonate. Also, multivitamin and B complex

bloodless

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Re: Work PTO time runs out
« Reply #3 on: April 05, 2013, 09:59:22 AM »
I dont' know what an EAP is, but I'm sure this small company doesn't have it. I love my job and what I do, but I keep an eye out for a work from home job for the future. My sister has one that pays way more than my job. She can work in her office at the job location or work from home. That would be so great.

Ir214, that's what you need now. A work from home job. I hope your doc can stabilize you and you can stay where you are though.
I miss the good old days. Things were more like they used to be back then.

Sjogrens, Lupus, Fibro, GERD

Carolina

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Re: Work PTO time runs out
« Reply #4 on: April 05, 2013, 10:30:35 AM »
I cannot imagine working.

I developed my whole bunch of 'conditions' after I took retirement early at age 58.

My heart goes out to those of you who must work, and I LOVED my work, too.

But I wanted to do other things in my life, and when my CAD was found and treated with three angioplasties and two stents, and one of the coronary arteries, "the widow-maker", was 95% blocked, I decided it was time to do them.

I still had some energy, and my grandchildren in France came every summer for 9 years, from ages 5 and 7, to ages 14 and 16.  We spent three week in France with the family, and the parents joined us in the States for another three weeks at the end of the 6 weeks we had the kids.   So I had 3 months a year with my grandchildren.

By the time they were too old, I had two full blown Autoimmune conditions, much worse Osteo Arthritis, anemia and Severe Peripheral Neuropathy.  And couldn't have been the 'soccer grandma' I'd been for the first 9 years.

We live very near our other grandchildren, 5, 10 and 13, so we see them often, and they know that Grandma can't keep up and you don't  jump on her or bump her.  She WILL take you to the movies or the bouncy house place, and the pool, however.

Now I have a Primary Immune Deficiency (go figure) and am tired all the time, as well as in pain most of the time.

I am the sort of person who would be volunteering/working to the end.  Except the end hasn't come and I've run out of steam!

I'm just lucky we lived very frugally on teaching salaries, and that we can afford our retirement, if frugality continues.

Again, my heart goes out to those who suffer more than I, who have little or no insurance, and who must struggle financially and physically.

Hugs

Elaine

Female-Elaine,79-CVID-pSJS-WMD (Eylea) C-PN-CAD-Osteoarth-SFN-Knee/Shoulder Degeneration-SIBO-Act.Purpura-Tinitus-Meniere's-Hiatal Hernia-Achalasia-Hand Surgeries, UTI's-Braces/Walker-IVIG Gamx-Medrol-Gabapentin-Atenolol-Pilocarpine-LDN-Nasonex-Lipitor-Estrogel-D-Mannose-NAC-Om. 3-Naltrexone-Esomep.

Cryssann

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Re: Work PTO time runs out
« Reply #5 on: April 05, 2013, 10:37:13 AM »
Does your job have FMLA? Family Medical Leave of Absense? My daughter has a lot of appointments and I'm always having to take time off to take her to them. I have FMLA for her and they cannot count that time against me. Any appointments or if she has a flare up I don't have to use my pros for. Its wonderful. I have to resubmit after 12 weeks but its worth it! I would look into it at your job. Helps a lot! :)


Crys

Nancy60

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Re: Work PTO time runs out
« Reply #6 on: April 05, 2013, 10:50:08 AM »
FMLA has to be offered by law and once you sign up you are protected from losing your job due to time off needs for the specific health reason you listed. You don't get additional time though. If you use up all of your PTO you would just get approved time off without pay. It is worth it though if you are afraid of losing your job because of missed work days.

Nancy

slccom

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Re: Work PTO time runs out
« Reply #7 on: April 05, 2013, 01:05:57 PM »
The FMLA only applies to employers that meet certain criteria. A
covered employer
is a:
? Private sector employer, with 50 or more employees in 20 or more workweeks in the current or
preceding calendar year, including a joint employer or successor in interest to a covered
employer;
? Public agency, including a local, state, or Federal government agency, regardless of the number
of employees it employs; or
? Public or private elementary or secondary school, regardless of the number of employees it
employs.

Sharon

Momedic

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Re: Work PTO time runs out
« Reply #8 on: April 06, 2013, 06:55:27 AM »
We just went to a friend of ours who is a Financial advisor. He is very proactive in helping people prepare for their futures as well as is their company.  If any of you are active military families, it would be of great interest to talk to these folks to get insight on how to manage your finances to better ready yourself for your futures, as they are geared towards military families but will def work with anyone! 
The company name is First Command and they are nation wide. The home office is in Ft. Worth TX.  The Ph # is  877-731-8621.  Our advisor offered a free consultation luncheon as well as a free in office visit. Anyone who is needing some financial guidance, these folks are very friendly and willing to help out!  Even tho you may have a, say 401 K, you could still talk to them and see if they could help you build an even bigger retirement for yourself and your family!  They are some great folks!  Hope this helps some of you out! It sure helped us!
Our agent is Adam Rowe, located in Watertown NY.  315-681-6422.  You are more than welcome to call him and inquire with him! He would be more than happy to guide you to where you need to call or be.  Let him know I sent ya, may help ya out a little... he is very good friend of ours as well.  Let me know if this info is helpful. also, his email address is   ahroe@firstcommand.com if you would prefer to contact via email.  We are very excited to finally get some retirement finances going since we are no spring chickens anymore...   :(  LOL!!  And since I can no longer get life ins, we need to save as much money as possible.  Good luck! 

lr214

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Re: Work PTO time runs out
« Reply #9 on: April 09, 2013, 10:42:26 AM »
Thank you all so much for your comments. Can't tell you how much it helps. I don't have family close by, have only 1 friend here and she has her hands full.
Bloodless.. You are so right about working at home. I am trying to think of a way to do software dev without having the stress of deadlines. Maybe I can write my own apps. My dream is to create something that would help improve quAlity of life for people like us.
Cassi307- thanks cor the reminder that anxiety is my biggest enemy ( along with depression) these days. It's good to be reminded to breathe.  I've been looking for a poster that says 'breathe' to put up at work :-)
Caroline- I'm so glad you have done some things on your bucket list. And that you have your grand kids close. Mine are too far away. We only get to see them 1 or 2 times a year. But I have my 2 boys who light up my life and a DH who in the end comes through for me.

I decided to take some time off without pay. Told DH and he is understanding. I will pull $$ from my 401k again if need be. I'm thinking I won't be able to use it later if I work myself to death now:-)
Also told my boss who was so sympathetic it made me start to cry. I really hate that and don't understand why I cry when I talk about my struggles to someone and they are so nice.
Anyway. You all are great and I hope the best for you.

Meld256

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Re: Work PTO time runs out
« Reply #10 on: April 10, 2013, 05:24:21 AM »
Hello Ir214,

First, I'll welcome you to the forum.  ;) I hope being here is a help to you. I know it's been a wealth of information and support to so many of us.

I can also relate to some of what you're going through. It's such a struggle to keep working when we feel rotten. It's stressful to worry about finances, your job and the time off the employer will allow you.

As you know, there are options and that's a good thing! Some may not be easy, but it can be done. Working from home is one, you can look into FMLA if your employer qualifies, you can certainly look into applying for Social Security Disability. I've done both of the last two, so know a bit about it.

I would encourage anyone who is struggling financially while they apply for SS disability to apply for any programs to help out for a while, too, whether it's food stamps or other gov. or community help. And don't feel guilty about it.  It's not your fault that you're ill.

Please remember that whatever your choices, we're here to listen. We'll help in whatever way we can.

Take care,
Melinda

Katybarstool

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Re: Work PTO time runs out
« Reply #11 on: April 12, 2013, 12:51:26 PM »
Bloodless,

I'm still working, but only four days each week now. I've done that for nearly 2 years, and although I lost a fifth of my salary, I know I wouldn't be working at all, if I had try to work the full five days.

I work Monday and Tuesday, have Wednesday as a rest day, and then work Thursday and Friday. I can usually manage two days in a row, but panicked this week when I was asked to work three days before having a day off. I felt a real wimp, but I really struggle by the end of the second day - and I work in an office, so it's not strenuous, but I eally coudn't do it.

Unfortunately, as a 56 year old, I still have ten years to work before I get a state pension, so I'm in it for the long haul.

I hope you manage to sort something out.

Hugs
Kathyx

bloodless

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Re: Work PTO time runs out
« Reply #12 on: May 07, 2013, 12:52:55 PM »
It appears many of the group have had the same problem. I'm still plugging along. I sneak in rest whenever I can. I bring my lunch. I eat and lay the car seat back. I sleep a lot on the weekend. I did have  a really good weekend a couple of weeks ago that I got a lot of yard work done. I was so tickled with myself. I've come to realize, I have to listen to my body whether I like it or not.
I miss the good old days. Things were more like they used to be back then.

Sjogrens, Lupus, Fibro, GERD

Daisy1234

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Re: Work PTO time runs out
« Reply #13 on: May 11, 2013, 08:20:23 AM »
Please don't forget to confirm whether your work has a long term disability plan (LTD). 

I had to leave my career 5 years ago due to the progression of my Sjs and I applied for both LTD and social security disability and was approved very quickly and I am still receiving benefits from both of these types of disability plans.  A word of caution, before I left my work, I made sure that I had my rheumy's and PCP's support in writing stating that I was totally disabled and as well I had a long list of "objective" evidence proving that was the case. 

Best of luck to all of you, I can relate very much to what you are all going thru as it was an agonizing decision for me to finally realize that I couldn't keep working.

Daisy 

Pisces24

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Re: Work PTO time runs out
« Reply #14 on: May 12, 2013, 06:50:53 AM »
I was taking chemo treatments, took the 6 month short term disability and had to take a week of the long term disability. My treatments didn't run exactly 6 mos "stuff came up w/me and it delayed a couple", and I had to take spinal shots. Oncologist was emphatic that no way I could go back to work until one week after the shots were completed.

Also check what the company covers for disability. I put in the extra $ monthly so my disability time was at full pay. Some companies only insure for partial there.

As with any disability leave or FMLA, you have to have a doctor behind you verifying you can't work. If you don't you are out of luck.  My oncologist (specialist) is much more "gung ho" about verifying work time off for me for FMLA, etc. while my general dr is not so much. Don't assume if one dr won't, the others won't either.