Showing posts with label Minnesota Life. Show all posts
Showing posts with label Minnesota Life. Show all posts

Wednesday, April 23, 2014

The Home Health Exam

As I told you back in March, I have a Google Alert on the phrase “Tree of Death” in an effort to keep tabs on my book. This has inadvertently kept me up to date on all the horrifying news from around the globe of the interesting and bizarre way people die at the hands (limbs?) of trees on a daily basis. Since we own six full-size trees, I decided to update our life insurance, for obvious possible tree-related reasons.

One of the fun parts about buying life insurance, besides the phone interview, is the home health exam. A highlight of this exam is when you get to bring an open-top container of your own urine to your dining room table for someone to scrutinize. We’ll get back to that.

My wife and I had our home medical examinations scheduled for 8:00 A.M. on a Saturday. The nurse showed up conveniently at 7:30 A.M.

She may have been early because I’m guessing breakfast at the nursing home is around 5:00 A.M. or so. I’m not saying she works at the nursing home, I’m guessing she lives there. Now, I don’t want to insult Edna, the travelling R.N., by calling her old, but let’s just say when she used to work at the hospital in her younger days, it very well could have been the first hospital.

The directives for the home health exam were no food or drink except water twelve hours before the exam, and be prepared to give a blood and urine sample. The blood is no problem, since I always carry it with me, but trying to “be ready to pee” is a different thing. I had to pee at 7:00 A.M., but decided to hold it, just in case. I was actually relieved that she was a half-hour early.

Trying to be a gentleman, I let my wife go first. Actually, she just told me she was going first because she really needed to pee. I am not a gentleman; I was just too stupid to argue. That was a mistake. I realized, as I hopped around in the other room, that I was well past the point of no return regarding urination. I should have gone at seven o’clock. I could have drank enough water to be ready again by the time it was my turn. Now Edna was already here. If I peed now, there was no way I could re-fill the tank in time. Not with just water. Beer, maybe, but not water. Dammit!

When it was finally my turn, I danced into the dining room and sat down with Edna. She had a certain order that she needed to fill out the parchment forms with her inkwell and her feather quill, so I was forced to try and sit still while her arthritic hands worked their magic. Fortunately, urine was third on the to-do list and not all the way at the bottom near John Hancock’s signature.

I am 6’-1” tall, and have been that tall ever since I stopped growing taller. Edna, on the other hand, has no doubt been shrinking over the years. I would put her at about 5’ even. After she wrote down all my pertinent information in calligraphy, (two score and one years aged), she tried to measure my height by reaching up to put a ruler on my head and measuring up to the ruler with a small, flimsy metal tape measure.

“I have you at six-foot-five.”
“Hmm. Sounds a bit high. I’m usually six-one.”
“OK, we’ll go with that. I don’t like to get up on chairs anymore.”
“I understand.”

This got me thinking two things. The first was, “Holy cow, I have to pee.” The second was, “What would the life insurance implications be if Edna had written down 6’-5”?”

What if they did an autopsy on me when I died and found out I was a full four inches shorter than shown on the policy? He lied about his height! Probably to get his height-to-weight ratio more in line with our actuarial tables. This tub of lard was probably fishing for a lower rate! Fraud!!! Sorry lady, payment denied!

Finally, after Edna had used her abacus to convert feet and inches into cubits and scrawled her findings on the parchment, it was time to pee. Yes!

This is where things started to go wrong for me. I blame some of my poor judgment on my urgent need to urinate, but mostly on Edna’s incredibly poor instructions. Still, truth be told, I should have figured it out.

She handed me two small stoppered glass vials, about the size of my pinky finger, and a little open-top plastic cup, roughly 1/4-cup in size (or, in deference to Edna’s more familiar measurement systems, about 0.0002 hogshead, or 0.001 firkins).

“Fill these two vials, and fill this cup up just past the little temperature gauge on the side. Don’t fill it up too much or it will spill. Be careful with the vials, because they fill up fast.”

Now, looking back on the situation with non-yellow-eyed clarity, what she should have said was, “Pee into this plastic cup, and fill it up all the way. Then, when you are finished emptying the contents of your bladder, and have the luxury of using both of your hands again, use this handy little pour spout here on the side to fill the two glass vials, and just make sure not to pour out the rest until I have read the temperature gauge on the side of the cup here.”

Those instructions would have been a whole lot better. As it was, I grabbed the three containers, ran for the bathroom, and followed her instructed order of events.

Filling the first vial took about a half a second… Now what? I can’t put the stopper in this thing one-handed, and I can’t set it down without the stopper in it… Must think fast…

Now, I won’t go into all the details of what happened in that bathroom, but suffice it to say, I managed to fill all three containers, and let’s just leave it at that.

It was only when I was walking back into the dining room that I noticed the cup had a little pour spout.

“OHHHH…”
“What was that, dear?”
“Nothing. Never mind. Here’s my urine. Please don’t set it on the table.”

Edna read the temperature and handed the cup back to me. “You can throw this away now.”
“Gladly.”

After we had both washed our hands (again) she took my blood, surprisingly with a needle and not leeches, and then we were done. She packed up her bag and pulled out her iPhone to check the time.

“Oh, good. I’ll be early to my next appointment. I have a full day, but hopefully I can make it back to Shady Acres for the late dinner serving at three o’clock.”
“Good luck with that, Edna. I’ll be here cleaning the bathroom.”
“What was that, dear?”
“Never mind.”

See you soon,

-Smidge


Copyright © 2014 Marc Schmatjen


Check out The Smidge Page on Facebook. We like you, now like us back!

Also visit Marc’s Amazon.com Author Page  for all his books. Enjoy!

Wednesday, March 19, 2014

Google Some Life Insurance

I don’t know if you knew this or not, but Google is very handy. Not only can you use it to instantly find information on the theory that Miley Cyrus and Justin Bieber are really the same person, or how to get your hand unstuck from a Pringles can (Note: I have only Googled one of those things), it also has a feature called Google Alerts.

Google Alerts allows you to create an alert based on any keyword or phrase, and once a day, Google will scour the web for you and email you the results. I like to keep tabs on my books, so for The Tree of Death, and Other Hilarious Stories, I created a Google Alert for the phrase “tree of death.”

That may have been a mistake.

The book is a collection of humorous essays, and its title comes from the smell the tree in my front yard gives off in the springtime. It has nothing to do with actual death, but once a day, I get a nice email from Google giving me all the stories from around the world about people who have died in some gruesome manner due to trees.

It’s kind of depressing.

There are an inordinate amount of people who are killed when the tree, which they themselves were purposely chopping down, falls on them. You would think that would be something you would be keenly aware of as a possibility, when chopping a tree down, and take the necessary precautions to avoid. Like, jumping out of the way, for instance. Many people – especially a surprising number in India – are apparently unable to jump out of the way in time.

I can see getting hit by a tree that someone else is chopping down, I guess, if they fail to yell “Timber!” as is the standard requirement obviously set forth by the International Congress of Lumberjacks sometime in the early 1700’s. This is never one of the news stories, though. No one ever gets killed by a falling tree that someone else was cutting down. It’s always the cutter himself. Go figure.

The other people that are getting killed by falling trees and large branches out there are all either in a car or a tent. Those are dangerous places to be, based on my Google Alert.

I have also learned that stationary trees can be just as dangerous. Besides the countless stories of out-of-control vehicles and skiers running into trees, many other folks climb trees for one reason or another, only to meet their maker when they touch a power line. That seems easily avoidable to this casual observer.

All this news of death at the hands of trees got me thinking. I own six trees. Two in the front yard and four in the back.

Holy crap. This place is a deathtrap.

This sobering revelation caused me to increase my life insurance recently. If Google Alerts is any indication, with this many trees – surrounding me constantly, I might add – I could go at any minute.

I applied for a new policy and had a phone interview. To tell you the truth, I don’t think the people at Minnesota Life have any idea what they’re doing over there. I mean, do they even have trees in Minnesota? The lady on the phone was perfectly nice, and made more than a few inquiries about my life and habits, but missed the big question.


Life Insurance Lady: “Do you currently engage in, or plan on taking up in the next five years, any of the following activities: Aviation, parachuting, skydiving, BASE jumping, bungee jumping, car/bike/powerboat racing, hang gliding, hot air ballooning, rock climbing/mountaineering, SCUBA diving, skiing, surfing, white water rafting, rodeo, professional or amateur wrestling, boxing, or demolition derby?”

Me: “No, I don’t do any of that stuff, and I’m not planning on doing any of it.”

Life Insurance Lady: “OK, sir, moving on…”

Me: “Wait, don’t you want to know about my trees?”

Life Insurance Lady: “Your trees?”

Me: “Yes, I’m not going to take up bull riding any time soon, but in the interest of full disclosure, I want you to know that we own six full-size trees, and there are at least three more owned by our neighbors that are near our fence.”

Life Insurance Lady: “OK, sir, that’s fine. Moving on…”

Me: “We also own two cars and a tent!”

Life Insurance Lady: “Have you or anyone in your family ever been diagnosed with a mental disorder?”

Me: “No, why?”

Life Insurance Lady: “OK, sir, moving on…”


They didn’t care. I own six whole trees and they didn’t even care. Well, the joke will be on them when they have to pay my wife big bucks after I’m inevitably attacked by one of these killer trees. They can’t say I didn’t warn them.

I was raving about this to my wife after the phone interview, and she suggested that maybe I should cancel the “tree of death” Google Alert.

Maybe she’s right. Google can be very useful, but it can also be scary.

Now, if you’ll excuse me, I need to go find my axe and take care of all these trees before they kill me.

Actually, I think I’ll practice jumping out of the way first.

See you soon,

-Smidge


Copyright © 2014 Marc Schmatjen


Check out The Smidge Page on Facebook. We like you, now like us back!

Also visit Marc’s Amazon.com Author Page  for all his books. Enjoy!