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‘‘Twas the Night Before Christmas”

MAC & Bronchiectasis | Last Active: Jan 12, 2021 | Replies (76)

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@rits

Truthfully I don't regard it as good fortune. When I left that career, I left thousands of dollars in the pension fund. Most people take it out. I returned to that career so that I could retire early and enroll in the pension program. I had my own practice by then and there was no Obamacare and health insurance cost was outrageously expensive without a group. While it was a really hard two years, it was one of my best decisions because I have the benefits of the pension and its great health insurance plan which I had contributed to for 20 years.

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Replies to "Truthfully I don't regard it as good fortune. When I left that career, I left thousands..."

Your story sounds like mine - my brothers could not understand why I stayed where I was when I could have gone to "big tech" and earned a lot more money. But, I wanted to be able to retire by by age 60, with an assured pension (yes, I did contribute quite a lot to it) and consistent health insurance into my old age. It is good fortune that we had foresight - not everyone does.

After watching the difference between my Mom, with her good, continuous insurance and her sisters and friends, with their Medicare & costly care, I knew I was making the right decision. Now I am watching my brothers and several friends pay 2-3 times more for their (less robust) insurance than I pay for my old employer's plan - and deal with much more restriction and sky-high copays. And with my pension, I don't have to panic every time the stock market takes a downturn, or savings interest rates are below inflation - my income stays the same, even if it doesn't match the rate of inflation very well...
Sue