Showing posts with label work/family balance. Show all posts
Showing posts with label work/family balance. Show all posts

MAVEN Provides Quality Solutions for Time-Crunched Moms


A recent conversation with a good friend about healthcare got me to thinking about how much time is lost by working Moms, caregivers and busy families with simple visits to the doctor’s office. The conversation that sparked this research involved a good friend of mine who was lamenting her third trip to the doctor’s office that week for a sinus/ear infection that was circulating through her very large family.
“I am going to have to take off yet another whole afternoon of work just to take my daughter in so that they can give her the same antibiotic ear drops they gave to the other three. The same thing happened last month when they all got pink eye…. I miss my old pediatrician. She used to just automatically call in prescriptions for all of the kids for certain things. This new one requires I bring each child in.”
After that conversation, I began to think there had to be a better way to handle simple healthcare requests than taking 2-3 hours out of a busy day to drive to school, pick up the child, head to the doctor’s office, sitting in the waiting room, being seen by the doctor, checking out and heading home, or back to work and school.
As it turns out, an emerging market known as telehealth is primed to answer that very need. According to the Mayo Clinic, “Telehealth is simply using digital information and communication technologies, such as computers and mobile devices, to manage your health and well-being.”  Telehealth practitioners rely heavily on video based appointments, a technology that more and more Americans are becoming familiar with thanks to applications like Skype and Facetime.  Video based appointments are still a relatively new phenomenon, but as more consumers are seeing the benefits of using these emerging companies and are embracing the benefits that technology, insurance companies are increasingly embracing them as well. In 2013 US News published a report on the convenience of this new technology, “Telehealth: The Ultimate in Convenience Care.”
Like any new technology, the regulation and laws are working hard to keep up, but thus far the telehealth industry has proven that the convenience and benefits are significant, the cost savings to the health industry substantial and the tendency for fraud and misrepresentation to be no higher than in traditional health care settings.
One new company joining the existing ranks of telehealth is Maven. The company focuses primarily on women’s health, specifically prenatal, post-partum, lactation consulting, pediatric needs and nutrition and mental health needs.
I had the pleasure of giving Maven a try, courtesy of the incredibly kind and engaging owners and managing staff.  I found the application to be easy to use. First I downloaded the application with a simple click. After navigating through the customer friendly website I found it very simple to find a Nutritionist that I thought sounded like a good fit. I made the appointment filled out the pre-appointment forms in less than 5 minutes. The process of connecting was also very user friendly (and this is coming from someone who is somewhat of a technophobe). All I had to do was to click launch appointment and allow the program access to my camera and microphone.
The practitioner I spoke with was extremely professional, kind and knowledgeable. We discussed some issues I have been having with finding the right diet to help with some current health problems. She listened and then provided me some good suggestions I could implement immediately, as well as options for on-going monitoring and support.
The only frustration that I experienced during my appointment time was the stilted video feed and the fact that we lost connectivity twice. The first time I panicked when my I-pad dropped the signal, but I quickly realized that reconnecting was as easy as retouching the “launch appointment” button again.
As a user, I was extremely impressed with the openness of the practitioner to provide email and telephone information, as well as a plan for ongoing monitoring if I was interested. At no point did I feel like I was just a “patient,” but instead I really felt like a person.
I admit, I was somewhat skeptical about the benefits of telehealth, but after experiencing it for myself, I feel that these telehealth options could very well be the answer for families already strapped for time and money. The application is affordable, relationship based, user-friendly and extremely convenient from a time perspective.
The Two-Penny Soapbox is not typically a site that provides reviews, or advertisements, but in this case I feel that the benefit to my readers outweighs my objections to product endorsement. I will definitely be using Maven again in the future. While telehealth is never going to fully replace in-person healthcare, when it comes to everyday health questions, using telehealth services just makes sense.
So, as a conclusion, let me run-down of the benefits and drawbacks of Maven’s application.
Drawbacks
  • Exclusively on Apple/ Android devices not yet supported
  • Connectivity issues

Yep, I only found two drawbacks. The benefits, on the other hand are significantly higher in number;

Benefits
  • The application is simple to download, simple to use
  • Compiling your health history is automatic and easy to access
  • Providers make themselves very available
  • Extended communication and post-appointment notes create a relationship based health care
  • Appointments are affordable
  • While not currently supported on Maven, telehealth options are increasingly being accepted and utilized by insurance companies
  • Even when connectivity is lost, reconnecting is as simple as clicking a button
  • A free forum where providers answer questions is available in addition to video appointments
  • The time savings are immeasurable

So, as a gift to all my readers, Maven has provided me with an access code that allows you to try out the Maven application. Just use your special reader code TWOPENNYSOAPBOX for $25 (one free appointment). I promise you won’t be disappointed. And while this doesn’t let businesses off the hook in regards to the need for more family-friendly policies, the telehealth industry provides a much needed time-saving solution for busy families while we are waiting. 

Note: Maven in no way paid for this endorsement. The only benefit I received was the same free appointment that I am extending to all my delightfully loyal readers.

How America is Shooting Itself in the Foot

As an anthropologist, I have become frustrated by certain subjects that have come up in recent news stories. News stories about things like; the dangers of technology for children under 12, the growing obesity epidemic, the increased awareness of fat shaming, how the American work week has increased in hours, and of course, the previously discussed topic of pressure on parents to supervise their children 100% of the time.

What I see, from an anthropological perspective, is that all of these disparate things are actually all very intimately interlinked with each other. There is not one issue on that list that is not caused by, affected by, or is the causal effect for something else on the list. America is shooting itself in the foot by focusing on the symptoms, but not recognizing the underlying issue.


Americans are putting more hours in, for less buying power and less vacation/sick time than at any point in history. Because of this, we are experiencing a severe time crunch in regards to outside of work activities (not to mention a spike in stress and depression related illnesses and a decrease in overall health-but that is a topic for another day).

With the expansion of the 9 to 5 workday to a more typical, 8 to 6 schedule, a casualty has been the time to make from-scratch, home-cooked meals. Convenience meals are great for speed and efficiency, but they are typically higher in sodium, fat and chemicals than meals that are prepared from scratch. Also, they are typically higher in price per serving.

We complain about obesity and yet we live in a fast-food, convenience food culture. Our culture demands that workers eat to live vs. live to eat. Take certain European cultures like France, Spain or Greece in contrast. These countries have a thriving culture of  the importance of experiencing food as a family event. Because of this, businesses set aside specific hours to honor that. In America, your average retail worker gets 30 min for "lunch,"  which depending on the schedule, can often be at odd times of the day. Our workplaces are not concerned about our health or our enjoyment of our nourishment, it is merely a means to an end, a necessary step to productivity.

With people having less free time and eating more instant food, or restaurant food, we have a growing problem with obesity in this country. Childhood obesity has specifically be targeted as something that America needs to address imminently. As a result, a host of organizations have sprung up in the past decade in attempt to change things. In rare, but increasing cases, governing agencies have removed children from their parents for being too obese.

The most common answer to childhood obesity? Encourage parents to make sure their kids get outside as much as possible. Then add in all the stressors on parents about not letting children experience too much "screen time" and exposing them to more nature. These articles frequently come in fear-mongering style about how without more nature and less technology your child will end up fat, stupid and riddled with issues like ADD, Sensory Processing Disorder, depression, anxiety, and technology addiction.

But wait! You are absolutely NOT allowed to let them outside without proper supervision, which means that you need go outside with them. They should only have 30 minutes to 1 hour of screen time, which means a huge chunk of time should apparently be given to supervised outdoor play. If you send your child outside or up to the park unsupervised, beware. You will probably receive a visit from Child Protective Services for neglectful parenting because limiting screen time is really only a secondary priority to constant supervision.

Now let's revisit the first paragraph. As previously mentioned, parents are in a time crunch. They barely have time for family and caregiving as is, and they certainly aren't given the space or opportunity to really sit down and make and enjoy a good meal. So how the heck are they going to supervise their children outside for large periods of time? That right, they aren't. Parents can barely skate through their existing responsibilities, much less add intense child supervision to their list.

So, out of fear of that well-meaning call from a well-meaning neighbor to social services about children running around unsupervised, parents lock their kids up inside and pacify them with screens. This is done out of survival, not out of laziness. Then we are bombarded with guilt that we are failing our child somehow. We feel victorious when we get something on the table that doesn't come from a box, and where everyone sits and eats at the same time. We constantly feel pushed and pulled between what we "should do" vs. what we "can do."

Use of convenience foods and lack of exercise lead to obesity. Obesity leads to fat shaming and lack of opportunity. Lack of opportunity leads to long hours in poorly paid jobs.....and we have come full circle. The only way we are going to break this ridiculous cycle is when businesses step back and realize that taking care of caregivers and families, or in other words, taking care of their employees as people, is the sole path to change.

Start "Valuing Families" and many of these "American problems" will self-correct themselves. So writers, I beg you, stop writing about how parents or society can do better and focus on how businesses can do better. Focusing on caring for employees can strengthen a business in the long run, obtain higher productivity and less time out for health issues. It really is a win-win for everyone.

Taking Steps Toward a "Brave New World"

Ok dear readers, hold on to your hats because this week we are headed deep into post-apocalyptic, futuristic science fiction, dystopian, Twilight Zone territory. That's right, the future is now and it isn't pretty. Yesterday I discovered that certain companies have started including egg freezing in their benefits package for women employees so that they can focus on their careers and postpone childbirth. While I understand that this is hardly breaking news, it was new to me.

Living in my little at-home bubble that consists of school, writing, kids' homework, extracurricular activities and an alarming amount of time spent in my pajamas, sometimes I miss things. Sometimes I miss a whole lot of things. Luckily for me, The Husband brings these things to my attention thus alleviating any need for me to go out and discover this stuff on my own.

So this morning he was on his way to work and heard a discussion on the radio involving the NPR article, Silicon Valley Companies Add New Benefit for Women: Egg Freezing, and the New York Times article, Freezing Eggs as Part of Employee Benefits: Some Women See Darker Message. The idea is that benefits offered to women executives includes a costly elective medical procedure that will give women peace of mind as they focus on their careers. He immediately called me and said, "Oh honey, I have a great topic for your blog....are you ready?"

Having been a news piece for a while, places like Huffington Post are already filled with articles arguing for and against the practice. I am going to have to say, I definitely agree with the ones that argue that this is a disturbing answer from corporations in regards to the work/family balance. It feels an awful lot like the beginning of the descent into Aldous Huxley's Brave New World (where babies are created in factories).



Putting off children, in my opinion, is dangerous, chancy and irresponsible. That sounds harsh, but I stand by the statement. Ignore the fact that pregnancy is far from guaranteed with frozen eggs, from my point of view, having children late in life just increases the chances that those children are going to be sandwiched in between elderly parents and young children (if they choose to have them).  If that happens, it only increases and intensifies the problems of work/family life balance choices for the next generation. Also, being raised by older parents increases the risk that their parents might not survive to see them reach adulthood. My father-in-law passed away three weeks after his 48th birthday. Most of my grandparents died in their 60s. It happens. I think egg freezing is an irresponsible choice for corporations, a figurative finger in the hole of the dam of work/family relations, temporary at best.

If companies really want to help their women executives, a much more fitting benefit would still be, and will always be, the inclusion of on-site childcare facilities for employees. Employees could go have lunch with their children, feel safe that they are well-taken care of and close by so the employee can focus on their work and ultimately work at a higher level of productivity. Also, it would prevent workers from having to run out early, or struggle to find care because the center would operate during the same hours as the employee. Quality would be assured by mere parental presence, extreme licensing would most likely be unnecessary.

Unfortunately the chance of companies creating on-site childcare sites is as likely as all of us getting magical unicorns to ride to work. It is never going to happen. The problem lies in the fact that we have increased insurance premiums on childcare centers to alarmingly high rates and imposed insane amounts of quality assurance legislation dictating environment and space. We did these things in the name of improving care quality, and we have, but at what cost?

Even our local gym that used to offer parents' day out programs had to indefinitely suspend them because the insurance premiums became too expensive to continue to allow parents to leave the premises. Premiums and quality control are significantly less if parents are on the premises, which should be good for companies, but most are not willing to take on that "risk" or "expense."

These companies would rather put in an employee gym (which they often charge for) or pay for two egg freezing treatments which can cost up to $20,000 rather than add a childcare facility for their workers. It says a lot about priorities. They are trying to appear family friendly, but as other authors have said, it only exerts subtle pressure on women to delay starting a family. Ultimately it is the simple solution of writing a check rather than the messier, long-term solution of taking responsibility for our country's families.

A true solution would be something similar to the crèche program in Brazil. Run by either the government or the Catholic church, the free crèches provide child care, education, basic health care and some of the Catholic-run centers even include a kitchen where workers can pay for an inexpensive, hot meal after picking up their children. As with any social system, there is a higher demand for services than availability, and quality varies, but for the families who gain access it is an invaluable tool in mixing child rearing with income production.

Imagine: A woman goes to work, dropping off her daughter on her way upstairs and works unhindered by worry for three hours. Taking a break, she goes downstairs and interacts with her daughter and a little with the other children and the teachers.  Mentally relaxed, she works productively for another hour and which point she heads down and has lunch with her daughter. Coming back in the afternoon she is able to focus and work undistracted for another four hours at which point she heads down, picks up her daughter and they head home.

If businesses were really truly thinking about bottom line productivity, they would realize that stepping out on a limb and embracing families might actually put them ahead, rather than behind. It is scary and financially adventurous, but if the studies about stress and overwork have shown us anything, it is that employees' health, welfare and productivity are greatly enhanced when their stress level is lowered. And nothing would lower a working Mom's stress level more than knowing her child is just downstairs, down the hall, or down the street. Bottom line is that 80% of women will eventually bear a child . Surely, if this is something that the majority of women are facing, we should do something about it.

Employers, please forget freezing eggs. Forget about pressuring women to put their career first before having children. Forget parental hiring discrimination. Embrace the whole family as a unit and you will have an employee that would probably sell her soul for you...or at the very least, her talents.

The Two-Penny Soapbox Hits the Real World!

As many of my readers already know, I used to have the perfect job.

I worked 22 hours a week. I had full-benefits, including healthcare, one week paid time off, partially paid maternity leave, 401K, employee stock program, and regularly offered paid training resource opportunities. What mom wouldn't want a job like that? I got to go be an adult, contribute to our household finances, and could still feel like I was there for my kids whenever they needed me. The job itself might not have been the career I would have chosen for myself, but there was no arguing with the awesome way it let me combine income production and child rearing.

And then in 2010 it all came to an end. I won't go into the minute details here, you can read all about in a previous post: My Job Loss, A personal view from the frontlines of the child care crisis . The long and short of it was that we got a new (male) boss who, unlike our previous (female) boss, hated part-timers. Or at least that was the rumor. The supposed word on the street was that he had been overheard in meetings complaining that part-timers made him mad because he hated having to juggle their schedules and that if they were part-time it meant they weren't truly committed to the company. (As a side note, it would not shock me if his wife was a stay at home mom, because only by being truly alleviated of all reproductive labor (housework, appointments, sick kids, errands, food preparation) could you be blind to the need for part-time work.

And so I was given a choice: I could work from 8:30-6:30 or 6:45 four days a week plus Saturday mornings, or I could resign. The fact that they were offering me another position meant they weren't "technically" firing me.  With two children, and child care needs extending beyond the typical childcare day, working full time wasn't exactly an option. We tightened the purse strings as far as they would go and I resigned.

I had already been an advocate for a healthy work/family balance after writing my master's thesis on the steep increase of stay-at-home mothers in America between 1995 and 2000. But in 2012 I launched this blog, The Two-Penny Soapbox, to discuss the things I saw around me in my day-to-day life that were related to the work/family balance. But after a few years of shouting from my soapbox into the blogosphere (yes, that is an actual word), I decided it was time to do more than talk the talk (don't worry, I will never give up shouting from my soapbox), it was time to get up and walk the walk.

Enter: 9to5

For me, when I decided to give time to making real change in the work/family balance there was only ever one choice. The national organization, 9to5, was founded in 1973 and has gifted working families with legislation like The Pregnancy Discrimination Act, The Family Medical Leave Act, and the Lilly Ledbetter Fair Pay Act in addition to other wins related to increasing minimum wage and decreasing sexual harassment. With a 40+ year history of winning justice for working women (and all families) it was obvious where I wanted to put my time in. As it states in their brochure, "if you are feisty, feel empowered (or want to be), fed up, or all three" then you should join up.

And lucky for me I happened to get in touch with them just in time for their membership drive, which meant memberships were discounted. Awesome, I can help out without breaking our budget! Things were getting better and better.

I put my sassy boots on and headed on over to the membership drive kick-off meeting where I got to meet some phenomenal women, who I am looking forward to getting to know very much. I also got to see what is on their agenda this year, which from the Two-Penny Soapbox's opinion is some pretty inspired stuff.

They are looking at creating an insurance program to pair with the Family Medical Leave act in order to ensure "employees in Colorado are able to provide critical care for themselves and their families without risking their financial stability." They are also looking at legislation for Parental Involvement, ensuring "protected leave when parents must miss work to attend school activities." And lastly, they are continuing the fight to bridge the pay gap between men and women.

So, as you can see, EVERYTHING that the Two-Penny Soapbox stands for! Sign me up!!

And now, dear readers I urge you to take advantage of their current membership drive.
 
There is no better time to band together and fight for change. Together, 9to5 and The Two-Penny Soapbox are doing the important work of changing hearts and minds and that can only be done with a unified voice that includes you. So please, please sign up. Even if you just send $5 and do no more than read my blog you are still helping enact change. But, of course if you want to get involved, there are lots of opportunities to do that too (and feel free to tell them Amie sent you).
 
As always, it is time to stop worrying about Family Values and start Valuing Families.
 
 

The Bigger Better Blog

Welcome to the wonderful re-launch of The Two-Penny Soapbox. Some things may look different, but the content will remain the same; honest, thoughtful and occasionally angsty. I will still be looking at the issues surrounding work/family balance with the occasional anecdote about my crazy family and periodic musings on adoption.

Now for some housekeeping issues:
This new incarnation of my little corner of the universe will (hopefully) remain more structured than previously. Posts will be updated twice a week; once on Monday morning to start your week off right and again on Fridays, just in time to give you reading material for your lazy weekend mornings, waiting for your child's game to start, sitting in line at the movies, or even on the potty....hey, I don't judge. As always, I ask you to keep your comments thoughtful and respectful. I will delete anything I think is inappropriate because, hey, this is my little corner and I can do that.

Now.....without further ado.....let's talk about.....
The Flu.

The flu you ask? What a strange topic for your re-launch. But, as it happens, the flu is very much at the heart of one of the biggest challenges to the work/family balance in America. The flu, especially certain strains, can knock you down for a week or more. It is the concept of being "out sick from work" writ large. In large families it can take ages to travel through everyone, thus extending the time you are quarantined at home. This is a huge problem for any family, but most especially two-income families.

We hear from the CDC and news outlets that we need to stay home if we are sick. Moms outside the school complain when kids are given Tylenol to keep their fever down and sent to school anyway. Bosses lament that their department is all sick, and yet they discourage workers from taking "time off." And lastly, we all lament when more severe flu strains careen through the community because they can be scary and we don't want to increase exposure to those who are vulnerable. What our workplace is reluctant to acknowledge is that when the flu hits, and some strains hit with a vengeance, it can take weeks, even a month or more to get an entire family back to health. What are families, especially two-income families supposed to do in that situation?

Two weeks before Christmas break my middle child, Raindrop, got sick with the flu. She actually was down and back up within three days and only missed 2 days of school total. I work sporadically so I have no problems begging off work to stay home when one of the kids are sick. Then the next week my oldest, Snowflake, got sick. She was really sick. I mean really, really, really sick. I took care of her for 2 days and then I got sick. I got really, really, really sick. Raindrop walked herself to and from school (which is practically in our backyard) while Snowflake and I laid on the couch and despaired at how awful we felt. Meanwhile Starman demolished the house with the flourish of a bored 3 year old while I lay helpless to stop it.

I was home Monday and Tuesday with a sick Snowflake. Wednesday I got sick and by Friday night I was so ill my husband had to take me to the ER where I spent all night getting IV fluids and other fun things. I had the beginnings of pneumonia, severe dehydration and a 104.5 fever WITH fever reducers. He took me in, despite the fact that he had gotten sick himself that morning. Being the end of December he was, of course, out of  Paid Time Off (PTO) so had to take the day unpaid.

The following Monday was Snowflake's 9th birthday. Starman was sick now too. Happy Birthday Kid. Sorry your sick. Let's watch our 100th movie. The husband was home again, more missed pay. We were all sick except Raindrop, having already fulfilled her role as "Typhoid Mary." Now by this point we were staring down a missed birthday, Christmas and Christmas Break and no one felt very good at all. The husband dragged himself back to work after three missed days and a weekend. There is a very good possibility that he infected others in his department as he really shouldn't have been back yet, but 3 days of no pay after birthdays and Christmas is enough to throw us into a tailspin when we only have one reliable income, so he went. Three and a half weeks total and we were all starting to feel better and were officially declared not contagious by our doctor.

Now, I only chronicle this whole story to you, my reader, to make a point. It took 3 1/2 weeks....THREE WEEKS.AND THREE DAYS...where someone had to be home with sick kiddos or sick themselves. That wasn't intermittent either. It was 3 weeks straight. And that was just one sickness, what if we had just gotten over something else a month earlier. Now, imagine we are a dual income family. You are paying for childcare regardless of the children are there, school is getting missed and no one is getting paid. How do you do it? No one gets 3 weeks of sick leave. And even if they get 3 weeks of PTO, no one is going to save it all until the end of December, just in case since it is a use it or lose it thing. But being sick when you are out of sick leave puts you in danger of being fired.

So what do families do? They do what they have to. The problem is that that is how so many people end up getting sick. We should really have a system that promotes staying home when ill to protect those that are young, or older, or are immuno-compromised. We should stay home to reduce the spread of viruses, but we can't. Our work system here in America is not designed to care about the person, much less the family. We care about productivity and work hours and the presence of people in the office. Things are better with the advent of telecommuting, but many jobs still require your presence. And some jobs don't provide PTO or sick leave at all, leaving workers the impossible choice of sucking it up so they can pay their bills or staying home and resting in order to protect strangers and co-workers.

I feel a little bit like I am beating a dead horse. Some of my readers might remember that I discussed this same thing back in 2012, in my post The Trouble With Illness. In that article I argued that we need to add more sick leave. I stated that,  "By providing more sick time, we would actually get sick less." Sadly, three years later we have made little to no progress in this arena. In fact, in many ways we have slid backward. Illnesses seem to last longer and sick leave seems to have gotten shorter. although this is a subjective observation no based in statistical information at all. I am merely basing it on the vocal frustrations of families around me. The longer the illness lasts, the more likely someone is to return to work/school/child care while still contagious.

The other problem is the concept of the Doctor's note. Workers abusing the sick leave system have encouraged companies to demand a "sick note." So now, even though a worker may be missing work unpaid, and knows that the illness isn't severe enough to visit a Doctor is going to clog up the Doctor's offices just to obtain this piece of paper that is the equivalent of Mommy calling you in sick to school. Companies are saying "your word isn't trustworthy enough, we need an authority figure to confirm your story." However, the cost of this visit might be pricey depending on whether the company provides a quality health care plan or not and many doctors feel pressured to fill out sick notes if someone is in their office, even if there is no obvious physical need.

Now for the biggest irony of all. You can be fired for being sick! Not kidding. It is legally true in the majority of American states, with a few exceptions. It doesn't matter if you have a doctor's note or not. Unless you qualify for the Family Medical Leave Act  (FMLA) and have the proper paper work filed in a timely manner, you can be fired. No wonder people go to work sick. No wonder they drop their kids off at school pumped full of fever reducers and hope for the best. A few sites provide legal breakdowns of this;
http://employment-law.freeadvice.com/employment-law/firing/getting-fired-while-sick.htm

http://jobs.aol.com/articles/2013/03/14/fired-missing-work-doctors-note/

http://bcemploymentlawyerblog.ca/2014/04/03/fired-sick-flu-disability/

But perhaps the most informative and comprehensive analysis of this phenomenon comes from one of my favorite, and oft referenced authors, Joan C. Williams, Distinguished Professor of Law, UC Hastings Foundation Chair and Director of the Center for WorkLife Law. Her article, Once Sick Child Away From Being Fired, discusses the problems that illness creates for workers with younger children who can not be legally left at home by themselves.

Knowing you can be fired for missing ANY work, regardless of how sick you are is alarming. It then becomes unsurprising that people go to work contagious and send their kids to school contagious. Of course, this compounds the problem by exposing other kids to the illness, thus putting other parents in the same predicament. In many ways illness is very much at the heart of the work/family problem here in America.

We spend an awful lot of time talking about the health care system, the Affordable Care Act, and the cost of health care, but what we don't realize is the hidden cost of health care reflected in an economic system that focuses on the company line and not on the individual worker. Since so many are married to their jobs in America, maybe we should provide a system that supports families in sickness and in health.