OT - I Got Laid Off

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NancyD
NancyD Member Posts: 3,562
edited June 2014 in Stage III Breast Cancer

This just happened to me yesterday. I think I'm still in a little state of shock. I'm 61 and have worked since I was 16. I've never been laid off before. Anyone have advice? I will be on staff until mid-August with all benefits. Then I will get severance unbtil the end of February with my company paying for my COBRA. Two months later I will turn 62, but I really hadn't planned to start collecting SS that young...and I will need to carry the COBRA for as long as I can until Medicare kicks in (at 65, right?)



My field, graphic design (I was an art director), is overstaurated with laid off people. We're the first to go and then the companies just hire freelancers, if needed. I know I can do some freelancing, but even that's been drying up. I haven't been able to assign a job to a freelancer in months—we've been expected to keep it "in house." And talk about out-sourcing to foreign countries! Where I might have been able to pick up some non-design graphic work a few years ago, it's now all shipped over seas to India.



Talk me off this ledge...I'm thinking about the ton of company-paid life insurance I thought I'd have if I ever propgressed to Stage IV which will now disappear mid-August. I just bought my first home (a townhouse) a year ago. Not a great market but I think I could sell it...but rents are about the same as my mortgage/HOA fee so there's no real savings to do that and stay in this area. But where to go? I grew up here, my family (most of it) is here, and my best shot at a staff job is in this metro area. I'm weighing my options and will consider all advice.

Comments

  • kestrelgurl
    kestrelgurl Member Posts: 266
    edited June 2012

    Nancy,

    I don't really have any specific advice for you, but I was laid off in March and know how scary it can be.I was devastated at the time and cried everyday for a couple of weeks, but actually think I will end up sending my former employers a Thank You card in the end. Give yourself a little time to think things through before you make any real decisions. You may very well see further options as a bit of time passes.

    Do you think that it had anything to do with your DX? As I understand it, BC is considered a disability and that means employers have to make accomodations for you.

    I know this isn't much help, but I am sending positive energy your way. Smile

  • Celtic_Spirit
    Celtic_Spirit Member Posts: 748
    edited June 2012

    Gosh, I'm so sorry Nancy! I use to work in publishing and am still in the communications field. I keep an eye on the job market all the time because I want to move back east. I've noticed that metro Philadelphia/New Jersey and especially Washington, DC, have jobs in your field. I know you'd rather not move, but Philly is still close, and it's cheaper than New York.

    Don't get me started on outsourcing or I'll type a 10-page rant! I edited economics books for nine years; I saw our current economic comedy-of-errors coming back in 2002. As I said, don't get me started! Grrrrr!

    Take a couple of weeks to catch your breath, do some reading and research, update your resume, and start looking. Or, could you start your own business? I've known freelancers and small business people who were able to buy health insurance as a group and get decent discounts. Generally, universities are good about hiring people in the 50+ crowd. They don't pay as well as private firms, but the benefits are usually better.

    Anyway, I'm really sorry about this turn of events. That sux!

  • susan_02143
    susan_02143 Member Posts: 7,209
    edited June 2012

    Nancy,

    Hope you don't mind me moving down one Stage to respond to your posting. First off, this is really too bad. I am sorry that you have been laid off. A difficult thing, especially, as you know, at your age. Traditional graphic design is no longer a career path with lots of openings. However, if you are willing to shift a bit to the left, there is an adjunct career that has lots of opportunities.

    If you were willing to retrain yourself on web design, all your current skills would be transferable. The new skills you would need to learn would include wireframe mock-sups [just use whatever design program you already know,] graphic optimization [you would need photoshop], and css2. The css skills, and how to integrate them into common front end languages would make you very valuable. There are a number of self-study options, and of course, there are classes that are available for a fee.

    I won't bore everyone with techie-speak, but if you would like a list of resources to get started, just PM me.

    *susan*

    p.s. And you have some time! Three months should be enough time to gain these skills and be ready to get another position. 

  • Anonymous
    Anonymous Member Posts: 1,376
    edited June 2012

    Nancy,  I'm so sorry you got laid off.  It must feel overwhelming because of your dx.  My husband was laid off from a high paying job a year before my dx.  It was so stressful. We lost a lot at the time and all during treatment.  He is now working in his field but is not making anywhere near what he made previously. 

    image

    Barb

  • Celtic_Spirit
    Celtic_Spirit Member Posts: 748
    edited June 2012

    Nancy,

    On top of my regular job, I do freelance editing, and I remembered that a former writer client of mine did some Web design for a company called nSight. It's based in Massachusetts, and it's specialty (if I remember correctly) is placing people in the communications field. I found the website:

    http://www.nsightworks.com/welcome

    If not an answer, maybe it's a place to start and get leads/ideas from?

  • itsjustme10
    itsjustme10 Member Posts: 796
    edited June 2012

    I hate to be the one to mention this, but COBRA is usually for 18 months. Sometimes the insurance company will allow you to buy an individual policy - unless you can just get on your spouses's insurance, if you have one?

     But, one good thing is you'll be eligible for Unemployment in February (since you're technically getting paid), so you won't have to start collecting SS early if you don't want to.  Personally, I would go to the nearest state unemployment office and apply fhe first day you stop working - states may vary in when they count you as unemployed, so you might be able to start collecting as soon as you stop working.

  • lkc
    lkc Member Posts: 1,203
    edited June 2012

    Hi Nancy, Sorry to hear about your lay off. But don't despair.

    & Congratulations on the purchase of your townhouse. You have an investment/security  which is good in today's economic climate and you're close to your family which is HUGE.

    Try to relax and breathe. Although this door is closing another one will open for you. You will find something biggert and better

    ( I changed vocations and opened my own company  3 yrs after my dx and have never been happier !!)  I am close to your age too!

    Good luck

  • AnnNYC
    AnnNYC Member Posts: 4,484
    edited June 2012

    Nancy -- I'm so sorry -- just want to send you some hugs. This really sucks -- and I know you 'll figure it all out, but I still wish you didn't have to!

    Xoxoxo

  • AnnNYC
    AnnNYC Member Posts: 4,484
    edited June 2012

    If I hear of anything, I'll pass it along to you asap...

  • Bugs
    Bugs Member Posts: 1,719
    edited June 2012

    Ugh, Nancy, I'm so sorry.  I was in the same position a couple of years ago and I can tell you..it was scary.  However, I do think you will be fine!  You are very smart and I believe that you can use the skills that you already have and learn some new ones to make yourself more marketable.  

    It sounds like you are getting a fairly decent severance package, so that helps.  COBRA, ugh, but also look into the high risk pool in your state.  Sad to say, you probably won't be accepted for a standard indivual health policy.  I got turned down stating that stage 3 & 4 are automatically denied with no time frame (as in .stage 2 would be accepted after 10 years).

    Also look into working at a temp agency.  I did that for close to a year before I was hired at the company I now work for.  It's a very good way to test out the company and if there are job postings they usually hire the temps that work for them before somebody else.

    Hugs, sistah!  It's tough...but heck...you've already been through bc.  You can handle this!! 

  • NancyD
    NancyD Member Posts: 3,562
    edited June 2012

    Thanks everyone for your emotional support and some really good advice.



    Celtic — I am/was in publishing, too. This is a MAJOR educational publisher. The design department has been getting flatter and flatter. Pretty soon there will be just the Design Director and lots of underlings who will be sending the jobs out to vendors/freelancers, no one actually doing any design work there at all. I will def check out Philly. That commute is possible. I have a coworker at this company who makes the reverse commute from there to NYC.



    Susan — I have wanted to look into web design for a while now. But I felt my pickled chemo brain was only good for learning the applications I had to have to do my job. With them being updated ever couple of years and other workflow changes within the company, I never got to look into the web stuff. But the aforementioned co-worker has been building web pages for this company and offered to give me some lessons/tips. I will now have the time to take her up on her offer. It will likely mean I have to invest in some new programs, maybe even a new computer, but if $2000 will get me to a level where I'm competitive with others in that market, I'm willling to spend it.



    I will be meeting again with HR to get some things in writing. They gave me a thin packet of info Thursday and I was off on Friday (summer hours), so there're still things I have to discuss. This HR person was very helpful when I had my BC diagnosis and treatment, so I have more trust in her than usual. She's now the HR supervisor for the large office I just started working out of in NJ.



    Well, I'm going to put this all out of my mind for a few hours and enjoy the lovely day that's developing here. Going for a walk.

  • jennyboog
    jennyboog Member Posts: 1,322
    edited June 2012

    Nancy, no advice, I just wanted to say I'm sorry.  I just recently went back to work and just found out the benefits I thought I had are no more due to being out of work so long...stupid BC!  I was totally consumed by BC and didn't even realize it was going to happen.  I was so down & out, that was a huge reason I went back to work...life ins. especially.  I was also told with BC I could have been medically retired early...talk about being upset.  Maybe this has happened for a reason...a new page in your life, time to do something or go somewhere you've always wanted to go.  Anyway, I understand and hope things get better soon.   

  • pupfoster1
    pupfoster1 Member Posts: 1,484
    edited June 2012

    Yikes Nancy,

    I'm sorry to hear this.  Other than putting feelers out for your field, some other job, maybe might even have to be entry level, but at least something that would offer insurance.

    I would also HIGHLY recommending you apply online for SS Disability.  I'm not sure about IIIa, but I did get it w/a IIIc dx.  Sucks that you have to sign something saying you have a condition that could ultimately take your life, but it has been a Godsend for my family going forward.  I was only working part time, but my husband is getting close to early retirement and we still have 2 kids to put through college, so it will be immensely helpful.

    Keep us updated!

    Sharon 

  • 3Cbrca
    3Cbrca Member Posts: 16
    edited June 2012

    I'm so sorry to hear about getting laid off-it happened to me when I was two years into my diagnosis (2008-at least I wasn't alone that year)-I was expecting it- I was on contract and it expired and they gave me a few extra months because I was sick. I was 56 (had been working since 16 too) and thought I would never get a job again. That was May - I had good luck and had a job by July. I did move, but that has worked out really well too. The good side of it: It made me focus on planning for the rest of my life and helped me focus on being here for a long time- what was I going to do if I lived to be 90???



    I did consider Disability, but wasn't ready -it wouldn't hurt to apply while your thinking about what to do next . I understand it can take a long time.



    Good luck and look to the future!

  • AnacortesGirl
    AnacortesGirl Member Posts: 1,758
    edited June 2012

    I'm so sorry. I hope the good advice from the other ladies help. I haven't checked into S's disability yet since I just got on Ltd. But I was surprised to find out that at 53 I fell into the untrainable group.

  • NancyD
    NancyD Member Posts: 3,562
    edited June 2012

    I definitely won't qualify for disability, as I have no debilitating side effects from my treatment. The most I would call "debilitating" is the LE that popped up this March when I had to carry a newly assigned laptop in the heavy shoulder bag my company provided. Could that be consider workman's comp, lol?



    I'm exploring some scenarios having put demotion on the table as something I would accept in lieu of lay-off. I don't know if it is a head-count issue, but the HR rep said they would inquire if that would be possible. I know a manager in another location was offered this. There is no advantage to being a manager over the two people I did supervise...they passed me in salary years ago (they're cover by a bargaining unit). On top of having almost the same creative workload, I had to write two monthly reports, attend meetings, make assignments, and write their annual performance reviews. If it would save my job at a salary equivalent to my current one, it would be worth it to hang on for another five years until I really could retire.

  • sushanna1
    sushanna1 Member Posts: 764
    edited June 2012

    Just chiming in to wish you luck and to say that what has happened to you is one of my nightmares.  I'm 59 and work for state government.  It's not just the lack of salary, but the health insurance that is frightening.  Not to mention serious age discimination.  

    Wish that we lived in a more civilized country where we did not have to worry about the insurance issues. 

     Hang in there.

    Sue 

  • NancyD
    NancyD Member Posts: 3,562
    edited January 2013

    Just an update to say I still have not found a job...not even had an interview despite sending out tons of resumés and applications. So, this past Sunday, the first day I was eligible, I filed for early retirement Social Security benefits. They'll start in May.



    I know the latest jobs report says unemployment is decreasing, but I think that's just because so many people have used up their unemployment benefits and have been dropped from the count. So depressing.

  • Celtic_Spirit
    Celtic_Spirit Member Posts: 748
    edited January 2013

    I'm sorry to hear that, Nancy. I'm glad, though, that you can at least get early retirement. Perhaps you'll be able to supplement that with some freelance work if you choose.

    I'm beginning to think I'll be stuck in my job until I'm retirement age...at least another 12 years. Ugh! I'd really like to move back east, esp. to Tennessee or North Carolina. I don't believe the jobs figures either. One day the media say everything is coming up roses, and the next we hear that the stock market has gone down, housing sales have tanked, and another company has laid off half its employees. It's very discouraging.

  • Pure
    Pure Member Posts: 1,796
    edited January 2013

    I am so sorry Nancy...I am not sure what you do but if you send me a message via facebook I can definitly keep my ears open. I belong to so many different women's groups.

  • april485
    april485 Member Posts: 3,257
    edited February 2013

    Hi Nancy, I am not Stage III but I noticed the "laid off" post and wanted to tell you something you may not know. Because you are a Dislocated Worker by definition, there is federal funding under the Workforce Investment Act (aka WIA program) through the Dept of Labor to help you pay for the web design class. Often for short term voc ed training like that, it would be completely covered. I am an Employment Specialist in CT and I work with dislocated workers and I send them to training all the time. There are many different trainings to choose from, not just web design but it is worth taking a look at this.

    Also, there is funding called OJT or On the Job Training where the feds pay part of your salary while you are learning a new job. So say an employer liked everything about you but was reluctant to hire you because the time it would take to train is costing them money and you are not yet producing. The feds can pay some of your salary (depending on size of employer how much) which can offset the risk while you are learning the job. The employer just sets up bench marks like "Nancy will learn a in month one and b in month two" and then they get the money.

    Wishing you luck on your job search. There is lots of help at your local One Stop Career Center and they are all over the country. Here is the website to find your local office.

    http://www.servicelocator.org/onestopcenters.asp

  • SpunkyGirl
    SpunkyGirl Member Posts: 1,568
    edited February 2013

    Nancy,

    Are you sure that your life insurance policy through work isn't convertible to a private one? Please check with your HR people there to make sure, and see what other options you have through them. My husband's life insurance and disability were both convertible, eve though he had St 4 brain cancer, and the premiums were reasonable. I'm so sorry you are going through this. It stinks.

    Hugs

    Bobbie

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