Long-Term Disability Insurance Is a Necessity… and a Scam

As promised, for our ongoing series for Disability Pride Month, I’m explaining long-term disability insurance. Some employers offer this perk to their employees at low or no cost, so you may already have it. For others, long-term disability insurance probably feels like one more thing you “should” have, but don’t have the time, energy, or budget to get. Regardless, you’re going to learn so much today.

I wish I could say you were in for a treat! But you’re not.

You’re in for some kind of savory Jell-O salad.

I thought last week’s explainer on short-term disability insurance sent me to hell. Oh no! From today’s vantage point of the seventh bolgia of Malebolge (within the eighth circle of hell, where fraudulent thieves are ravaged for eternity by vengeful reptiles), I can confidently look back and say, “Aw, that wasn’t so bad!” Get ready to join me!

Learning about long-term disability insurance policies IS hell.
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Ask the Bitches Pandemic Lightning Round: “How Do I Push Back When My Workplace Isn’t Taking COVID-19 Seriously?”

Welcome to the Ask the Bitches Pandemic Lightning Round! We’re working around the clock to answer your questions about coronavirus, the impact of quarantine, and the recession of 2020.

Phew. Are y’all getting tired by all these articles yet? We’re not! We’re as tireless as a team of Amish-raised mules, and JUST AS ADORABLE!*

Today, we’re considering the health ramifications of a boss who just don’t give a damn about this global pandemic. In short, this workplace isn’t taking COVID-19 seriously. Fun stuff!

We’ll be coming at you fast this week, answering as many urgent questions as we can. If you appreciate the extra effort, we would love a small donation on our Patreon. Thank you!

*The first part is a lie; the second is not.

The question

I’ve been working as an hourly temp at a business since August. My supervisor wanted to hire me. She was beginning this process when COVID-19 hit. Now all hands are on deck.

All company employees who can work from home are. But my supervisor can’t get me a company laptop to work from home, and encouraged me to come to work. I have asthma, so I’m very aware of how careful I must be. I’m wary of how well they clean the office and how seriously some employees are taking this crisis.

Should I continue going to work, even though my workplace isn’t taking COVID-19 seriously? I want to keep saving, but I also want to keep myself safe. I’ll take any tips you have.

There are still some workplaces that aren’t taking this pandemic seriously. Hopefully their numbers are shrinking as quickly as COVID-19 cases are rising.

If you’re unlucky enough to be stuck working at one, let’s talk about how to handle it. It shouldn’t be your job to handle it! But in Corporate America, managing other people’s idiocies is always half the job!

From a pure physical health perspective, you shouldn’t take the risk of going in to work. But financial instability wouldn’t benefit your stress, immune system, or mental health. So we have to try to balance those interests. That’s the repulsive calculus of our reprehensible system, where losing your job also means losing your health insurance at the worst possible time.

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Bitchtastic Book Review: Tanja Hester on Early Retirement, Privilege, and Her Book, Work Optional

Bitchtastic Book Review: Tanja Hester on Early Retirement, Privilege, and Her Book, Work Optional

Dear readers, we’ve been holding out on you. For there is something beyond the basic financial literacy we strive to teach you here at Bitches Get Riches. Something that comes after you level up as far as you go with your money.

It’s called FIRE, or “financial independence, retire early.” And it’s something a lot of our esteemed colleagues in the money-writin’ biz are fighting tooth and nail to achieve.

One of the beacons of light in the conversation about financial independence and early retirement is Tanja Hester, author of the brand new book Work Optional: Retire Early the Non-Penny-Pinching Way.

Tanja is awesome. Her book is awesome. Her advice is awesome.

She’s like the result of a long, fulfilling, romantic relationship between a timelessly wise Amazon warrior and your favorite cool aunt, the one who both comforted you about the mean kids at school and bought you your first box of condoms. I’d trust her both to carry my body to Valhalla from the field of battle and to give me sound financial advice, is what I’m saying.

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Stop Recommending Therapy Like It's a Magic Bean That'll Grow Me a Beanstalk to Neurotypicaltown

Stop Recommending Therapy Like It’s a Magic Bean That’ll Grow Me a Beanstalk to Neurotypicaltown

May is Mental Health Awareness Month, which makes this an excellent time to talk more about our beautiful broken brains!

(Ahem. Because I am an honest chap, I feel compelled to stress that we did not plan this in advance. We are not nearly organized enough to do that. It was purely coincidental.)

I’m an advice column junkie. My regs right now are Where Should We Begin?, Dear Prudence, Dear Sugars, Savage Love, Care and Feeding, Captain Awkward, Ask a Manager, My Brother My Brother and Me, and the collective wisdom (?) of r/relationships. Yeah… it’s a problem.

When the subject of mental health arises, I’m perennially dismayed to see a very narrow, circumscribed answer appear again and again and again. It goes something like this:

“Go see a therapist; get counseling; find a psychologist; get into therapy; go see your school’s counselor; go to a mental health clinic; you need to be in therapy; find a support group; have you talked to your therapist; have you tried group therapy; talk to your doctor; therapy, therapy, counseling, therapy…” 

And this really bothers me.

It’s not that this advice is bad. It’s not bad! All things being equal, most people would probably benefit from therapy. I have no doubt that the net benefit of professional mental healthcare is incalculably vast.

But it pains me to see therapy described as a one-size-fits-all solution for every person in every situation. I’m someone who experiences intermittent depression. Like half of all mentally ill people in the United States, I’m not currently receiving medical care for it. This doesn’t mean I’m irresponsible or helpless. There are a lot of very understandable reasons why people can’t or won’t seek professional help. Let’s talk about a few of them.

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Woke at Work: How to Inject Your Values into Your Boring, Lame-Ass Job

Woke at Work: How to Inject Your Values into Your Boring, Lame-Ass Job

I generally don’t find it hard to live my values in my personal life. I vote. I’m conscious of where I spend my money, which is another kind of voting. My primary hobbies are fostering rescue dogs and writing this blog. I do these things because I am a bitter old crone who thinks that most people are trash, yet hasn’t fully abdicated her responsibilities as a member of the human race. Go figure.

Where I struggle is in my working life. Like lots of folks, I work in a white collar job that doesn’t have anything to do with any kind of social issues. My background is graphic design, and my past clients have mostly been super lame and boring. Think commercial real estate databases, catering associations, paper shredding companies.

Nevertheless, over the years, I have managed to find unexpected opportunities to live my values at work. I started out as an SJW ninja, finding sneaky ways to slip in and shift the culture. Since then, I’ve graduated to bigger and bolder actions that are getting me a lot more traction.

If you want to be a good ally in the workplace, I believe that the first and most powerful thing you can do is to be solid and cool to your fellow workers. Be kind and respectful. Don’t be a shitty, judgmental, gossipy, mean coworker. Don’t work unpaid overtime. Take your vacations. Share salary information. Support unions. Expose harassment. Use your privilege for good.

But today we’re going to focus more on what you can do in your job roles.

… Job rolls?!

............BACK ROLLS?!
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