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Followup and stuff

A few random followups based on comments and such:

1.) I am well aware that there is a law (HIPAA) or guideline or suggestion that your insurance carrier has to provide you with a certificate of coverage and that you can not be denied insurance for a pre-existing condition and that new carriers have to pick you up within 63 days of the last day you had coverage from your previous carrier.  And I qualified for all of that.  I have never been without insurance for even one day since August 1986.  That has nothing to do with the cost of the premium.  You and the carrier can comply with the laws and you could still get stuck with a ginormous, whopping premium through no fault of your own because one of your family members has a pre-existing condition.  They can’t deny you coverage but they can make you wish you didn’t have to pay the premium.  That’s the insurance industry’s way of encouraging you to not bother them for a policy.  See how Congress has looked after us?  Heartwarming, isn’t it?

2.) I have no problem covering the costs of other people’s health care but I do have a problem with people who insist on consulting unproven alternative medicine and I’d like that to no longer be possible.  If you want to visit chiropractors and acupuncturists, do it on your own dime.  My point about insurance is that at this point in time, it’s easier for the ditzy to get their weekly back cracking covered than for those of us with ailing family members to get the care they need at affordable prices.  That’s wrong.

3.) Unrelated: Atrios posted a link to an older post he had on ACORN and the foreclosure crisis and how the Vampire Squids were shoving their blood funnels into every aspect oo mortgage and real estate interactions back in 2007.  That reminded me of the letter I got from Wells-Fargo yesterday.  It was a sort of frantic letter on their part saying, “We see that you are escaping our event horizon by paying off your mortgage and home equity loan.  We are trying frantically to reach you (by an old phone number) and haven’t been able to.  Please contact us so we can persuade you to renew your relationship with us.  We’d like to talk to you about new ways we can hook you back up to our perpetual money making apparatus.  Sincerely, your BFFs at Wells-Fargo”

Too funny.  By the way, I’m still waiting for the escrow account money Wells-Fargo generously decided to withhold for the payment of the ridiculous property taxes I paid in NJ and if the check is not here by the end of the week, I’m contacting my lawyer.  Sincerely, the newly emancipated RD.

Note: A curious thing happened when I called W-F about the payoff amount for the home equity loan (all of which went back into the house for really useful stuff, not vacations to majorca or a new car).  When I called them, they wouldn’t give me the payoff amount and they refused to release the lien on my house.  They told me that only a third party could do that.  In other words, my exasperated lawyer had to prepare a document and send it to them on his letterhead in order to get a payoff amount at closing and have the lien on the house released.  Both myself and the lawyer were pretty steamed about this.  It cost me extra legal fees and it seemed completely unnecessary.  The lawyer said that Wells-Fargo is full of serendipitous surprises like this that hold up closings.  So, what was the alternative?  Wells-Fargo said they would give me the payoff amount and release the lien directly IFF I contacted them by snail mail and waited- are you ready for this?- FORTY DAYS from the receipt of the snail mail.  By then, the closing would have had to be put off and all kinds of chaos and expensive and unnecessary mayhem would have ensued.  I have yet to hear a logical, rational, consumer friendly explanation as to why the loan account holder was not able to process this request within the 3-5 days and that it required the magic mojo of a lawyer’s third party stationary to get it done.  But I smell a scam.

4.) Chris Christie has set an October date for the election of a new senator to replace Frank Lautenberg who died recently.  The Democrats are howling at how unfair it is because it means there will be an expensive election separate from the one for governor to be held a month later and the earlier one will dissuade voters from showing up to kick Christie’s ass out of Drumthhhhhhhwackit.  As if NJ residents didn’t already have a zillion reasons to displace Christie.  I don’t know anyone who really likes him and quite a few teachers and school employees who actively hate his sizeable guts.

But all of the candidates that the Democrats are proposing to replace Lautenberg are male.  Corey Booker, another bonus class ass kisser in the mold of Barack Obama, is on the top of their lists, as is Frank Pallone, a Democratic Congressman.  NJ is not my problem anymore but I would like to point out- again- that there isn’t one single woman in the US Congressional delegation from NJ.  Not one single Congressperson or Senator from NJ is a woman.  NJ is the densest state in the union, in more ways than one (don’t even get me started).  You would think Democrats would make more of an effort to promote women into that delegation but I lived there for 20+ years and saw very little evidence of it, Linda Stender being a notable exception in 2006.  The state Democratic machine abandoned Stender in 2008 when Obama and Rahm Emannuel decided to knife liberal Democrats.

Take that in.  In the state with the densest population not one of their congressional delegates to either house is a woman and this has been the status quo for almost 2 decades.

I have remarkable little patience for either party in NJ but the crocodile tears the Democrats are spilling over this golden opportunity to elect a woman to the Senate and start cleaning up their shameful record of neglect for more than half of their population has me playing a very tiny violin.

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Thursday: For Louisa

Both clinging to life

Denise and Louisa, Betty Jean's daughters: Both clinging to life

The trials of Job are not limited to biblical sheepherders.  Many PUMAs know Betty Jean Kling, a tireless Hillary Clinton supporter who had a passion for healthcare reform.  Betty Jean’s son died of cancer and her daughter Denise is living with advanced ovarian cancer.  Betty Jean’s heart’s desire was to see that her daughter, and all those affected by serious disease, get the treatment they need.

But an evil genius works against Betty Jean.  Last June, Denise was attacked in her sleep by her estranged lover, George Hartwig.  He hit her in the head with a hammer.  He was sentenced to 3 months in prison for the attack and released.  Monday night, as Betty Jean attended a fundraiser for Hillary Clinton in New York City to help her pay off her remaining debt, Hartwig struck again.  He shot Denise’s sister, Louisa, in the face when she got in the way.  Louisa is now in critical condition in a New Jersey hospital.  (One of our commenters reports that Louisa has lost an eye and may suffer brain damage if she survives.) You can read about the attack here, here and here.   This has been devastating to Betty Jean who is now dealing with two daughters who are fighting for their lives.

Domestic violence is a sensitive subject for many people.  I don’t know why it should be.  You shouldn’t be allowed to commit violent acts against another human being no matter what degree of relationship exists but violence is often tolerated in marital situations. Still, it is imcomprehensible that an attacker would be allowed to roam free after he heartlessly attacked a cancer patient with a hammer.  That this man had the ability to shoot her sister with a shotgun is simply unbelievable.  Where were the local police?  The New Jersey justice system?  How can targets of domestic violence sleep easily if their predators are not actually restrained?  The attackers in instances such as these seem to be operating with a single minded obsession, as if they are determined to remove a weed from their garden.  It’s irrational anger projected onto a hapless target.  If the crazy worldview of the attacker can’t be changed, the attacker himself needs to be locked up.

We need a Louisa’s Law that will prevent the release of these attackers who, like pedophiles, have a habit of being repeat offenders.  They need an attitude adjustment that only a lot of time with a prison psychologist can accomplish, along with restraining orders, ankle bracelet monitoring systems and no legal access to firearms.  Of course, that doesn’t prevent the abuser from using hammers so maybe locking them up and strapping a GPS device to them when they’re released until they get the point is the only way.  Worldviews are very difficult to change unless the person sees there is really no alternative and that society will simply not allow them to act on their murderous rage.

If you want to help Betty Jean advocate for a new Louisa’s Law, please contact her at Free Us Now.   NJ Senator Menendez sponsored legislation to keep guns out of the hands of criminals.  You might want to drop him a line if you agree with him or contact your own senators.  NJ Senator Lautenberg  wrote the Domestic Violence Gun Ban and Brady Law.  Both of these Democrats know how serious this issue is but they have faced a tough fight from the NRA in recent years.  It is time we focus our attention on the risk that Domestic Violence poses to their victims and others who get in the way.

The New Jersey Coalition for Battered Women has many services for women who are facing domestic abuse but surprisingly little on their legislation page.  If you are a lawyer or advocate in this area, or have experience lobbying for legislation, let them know you want to help.

Finally, there will be a hearing  on the arraignment of George Hartwig.  The Honorable Judge Harry Carroll will preside.  His contact numbers are voice: 201-527-2460, fax: 201-752-4109 if you would like to politely urge him to keep Hatwig behind bars until his trial.

We send our positivc thoughts to Betty Jean.  The Trial of Job didn’t last forever.  It ended well.