" Are There Too Many Government Regulations?"

    Everyone would probably answer that question based on their own personal or business experience.  What prompted me to address this issue today is personal.

    My mom is 83. She and I have a joint credit card and make a payment to that card every month.  In order to get that card she deposited $500 into a savings account at the same bank.  I now handle all of her financial business.  Yesterday she got a letter from that bank stating that her savings account was about to be turned over to the state unless she verified that she was, in fact, still alive and living at the very same address as her credit card account. 

    My mom just had her shoulder replaced and her arm is tied to her side for the next 6 weeks.  She is also on heavy doses of pain killers and already suffers from memory compromise so the stress from this surgery hasn't helped.  What if she had not seen that notice?  Would the bank have followed government regulations and taken her money from her and given it to the state?  

    14 months ago she had her other shoulder replaced and during recovery missed seeing the bill for our homeowner's insurance.  We had a flood in the house on January 1st and when I called to file the claim I was told the bill hadn't been paid.  Luckily, I was able to fix that and get it reinstated immediately but what would have happened if I had not been here to take care of it?  

    Mom had a good girlfriend who died 3 years ago.  She had been married to her beloved husband for 64 years and he is still suffering her loss.  My mom calls him twice a day just to give him a touchstone and keep him grounded.  He is 87 years old and has 2 significantly disabling conditions; an ostomy bag and severe neuropathy in his feet.

    Yesterday he was very upset because his ostomy bag exploded all over the rug.  He has had this condition for over 10 years and the past year or two has had to beg and scream for the Medicare-approved provider to get his supplies to him on time.  Today he was in a rage.  He had been on the phone for over an hour trying to get his supplies and was finally told that he needed his doctor to approve the order before the could send his supplies.  

    Does the government REALLY think he is hoarding ostomy bags and selling them on the Black Market?  

     "Obamacare" may have provided medical services to many who were uninsurable but what about those who are paying their fair share?  

    In 2017 there are zero "Affordable Care Act" options to choose from.  Premiums on insurance plans if you stayed on jumped over 115%.  

     Try calling Medicare to get a logical answer and you will be told (after holding for over an hour) that they have not been cross-trained so cannot answer your questions.  Where does the "human element" fit into regulations that clerks read from books yet know zero about in reality?  

    It makes me wonder - who is minding the store?

(An ostomy pouching system is a prosthetic medical device that provides a means for the collection of waste from a surgically diverted biological system (colon, ileum, bladder) and the creation of a stoma. Pouching systems are most commonly associated with colostomies, ileostomies, and urostomies.)

 Neuropathy in the feet is a very common condition. According to the Neuropathy Association, over 20 million Americans suffer from peripheral neuropathy, or neuropathy in the feet.There are several types of neuropathy. Peripheral neuropathy is a condition in which the peripheral nerves or the nerves in the extremities are damaged. This condition is a progressive disease that may come and go or may become severe and debilitating.