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15 Hours

Updated on April 28, 2020

I retired from years of working in 2010. I thought this is the last time I will have to sign in to a job forever. It has been almost 10 years of struggling on Social Security. After years of having rent, food, prescriptions and so many of the other necessary things increase in price while Social Security has made minor increases in in what is received every year.

My wife and I do not live a life where we are spendthrifts by any means. However, it got to the point where we were struggling to pay the bills and had nothing left over to go out to eat once in a while. Our biggest burden has been the cost of medical insurance. When people get old and go on Medicare they have to realize it is not free from then on. A large Medicare premium is taken out of Social Security each month. Then Medicare only pays about 80%. So who gets the burden of the other 20%. Yes, it was up to us to get supplemental insurance to cover that extra 20% of medical coverage. Between the Medicare premium that is taken out of our Social Security and the supplemental every month we are paying about $660 per month just for medical insurance. The golden years are not that golden.

The apartment complex where we live had the janitor leave a couple of months ago. They had a policy here that if you lived here you couldn't work here. However, I inquired about the part time job. They wanted someone for 20 hours per week. I am 71 years old and I told them I would only work 15 hours per week. I got the job, thinking I would never have to go back to work. It is easy work I will admit. It does give us the few extra dollars that makes life easier. I only walk a short distance from my apartment to the office to sign in. Still at 71, I never thought I would have to work again. I see so many older people in the same position as me.

Isn't it a shame that so many billionaires and multi-millionaires live the super wealthy life while senior citizens need to choose between food or prescription drugs. America used to be the greatest country in the world. I love my country, but I am afraid the super rich have destroyed the middle class and are taking from the poor to enrich themselves. It makes me sad, I will vote for whoever has a vision to restore this country to its basic values.


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    • AliciaC profile image

      Linda Crampton 

      12 months ago from British Columbia, Canada

      I'm sorry that you had to go back to work again, Larry, but I'm glad that you've found a convenient job. The amount of money that you have to pay for medical insurance is shocking.

    • MsDora profile image

      Dora Weithers 

      12 months ago from The Caribbean

      Larry, I hear you loud and clear. It's shame that the rich get richer at the expense of the not-rich. Happy, though that you can still manage your 15 hours to help you out. Best to you and your wife, going forward.

    • NateB11 profile image

      Nathan Bernardo 

      12 months ago from California, United States of America

      You're absolutely right, Larry. The billionaires own and control the politicians and the media and so we have no say and we get none of the benefits of what we work for and pay into. Policy is determined by rich campaign donors. They put more into bailing out banks and corporations and military equipment and ventures than they do into what would make this country and its people good and healthy and happy. It's a horror, no doubt about it.

    • Larry Fish profile imageAUTHOR

      Larry W Fish 

      12 months ago from Raleigh

      Thank you all for your comments telling me your experiences and experiences of your family members. Yes, live is a struggle, but we do the best that we can. At 71 I am glad that I am in good enough health that I am able to work, so many people are not as fortunate.

    • Linda Courtney profile image

      Linda Courtney 

      12 months ago from Bloomsburg, PA

      Wow! I knew it cost some for Medicare and supplemental insurance, but I had no idea that much could be taken out of your SS check. I'm 62yo and retired. I've got Obamacare insurance that costs $0 for a high deductible plan. Three more years I'll be eligible for Medicare. I may need to go back to work part time too to afford that. I would like to see some one in the White House that would give quality insurance for all at reasonable to no cost too.

    • Ericdierker profile image

      Eric Dierker 

      12 months ago from Spring Valley, CA. U.S.A.

      This is a tough ride Larry. In my case my wife would love to get me out of the house 15 hours a week. I might just look into it. You are lucky to have such an opportunity within walking distance and at just the right amount of hours and not strenuous.

    • Cynthia Hoover profile image

      Cynthia Hoover 

      12 months ago from Newton, West Virginia

      This situation happens to so many. I've experienced similar issues with my parents prior to my Dad passing. He was younger (58 when he passed) but he was getting social security because he was far to gone to work shortly after his cancer diagnosis. We struggled for some time because of needing to carry supplimental insurances to cover what Medicaid did not.

      Being in my mid 20's at the time I took on additional work to help. Though that is like comparing apples and oranges. What you are going through I imagine is even harder.

      I am glad you were able to find something part time, but I find it a truly sad situation. Are we only meant to work our entire lives? There has to be a way that our elderly society members can enjoy their aged years without having so much worry or taking on work again.

      I wish you the best of luck, and I hope you are taking care of yourself and enjoy the new job.

    • Eurofile profile image

      Liz Westwood 

      12 months ago from UK

      Thanks for sharing your experience to give readers a valuable insight into how tough things are. I am sorry that you have had to go back to work. That's an eye-watering amount that goes out each month on health care costs. I hope that a change in administration will herald the set up of a fairer system. In the UK, many have moaned about apparent shortcomings in the National Health Service. But they would do well to read your article to appreciate how fortunate they are.

    • FlourishAnyway profile image


      12 months ago from USA

      I hope that you are able to keep this job amid the pandemic and hope you are staying healthy as well.


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