Tuesday, March 8, 2016

We thought she had beaten her cancer. And yet, the unthinkable happened on February 6th, 2016 - Penny passed away in her sleep. =(


My wife passed away around 10:30 pm on Saturday - February 6th, 2016. The above is the last picture that I know of (that she would approve of) that was taken of her prior to her passing. I need to say the following to put perspective on what this all means.



The above picture was taken in 2012 (February 18th, 2012) when Penny was on Life support at Sherman ICU due to sepsis after the removal of the 4 lb tumor from her bladder (the first time I am posting this picture as how hard it was at the time, I just couldn't). We weren't sure she would make it out of the hospital then (and of course, she was a miracle - she woke up from her coma with her full brain activity intact and then some) and was talking/walking 10 days later. It was this hospitalization that weakened her substantially and she was never the same after that (she was always in much more pain). I went to Fox Valley Church the first service I could after that (and FVC became my home too). Penny prayed for me for 7 years to join her at her church and her wish came true. How awful of me to not get past my pain from a previous church and waste 7 years not joining my beautiful wife in worship at such a wonderful church.





The second picture was of a sunrise outside her window the day after her organs were failing. Her organs had stopped shutting down and were starting to recover so I was looking at the hands of God helping her to recover from the sepsis. The entire body of FVC came out in force (the ICU staff actually had a line of people to go into the room and they were so accommodating our need to lay hands on her for healing). They called her the ICU unit "Rock Star" given the amount of people coming to see her. She was also one of the few patients to actually walk out that unit (I heard more code blues than one dares to count). That was the moment when I decided I needed to be at my wife's side for all of her needs despite work, despite the many responsibilities pulling at me. I was a broken man by the time she was released, and she slowly helped build me back up over the next 4 years.
She kept that red rose also.......

So, onto February 5th, 2016.

We had just started to think long term again about our lives together (after her "clean bill of health" from CTCA last December - 3 months ago). I was finally approved for Social Security disability and VA disability last October and the benefits were starting to trickle in. We were about to bring our mortgage back up to date using the back benefits and we were planning on visiting the grandchildren in Phoenix in March. On February 5th, Penny started to get a severe migraine headache. It got so bad, that I interrupted a visit to H&R Block regarding our taxes in order to immediately take Penny to the Sherman Ambulatory Clinic in Algonquin. When we got there, they noted her blood pressure was high (161/112?), but they had no technician for their scanning services available, so I then brought her to Sherman Hospital's ER. Yes, THAT Sherman Hospital (where she had almost died four years before... within a week of February 17th.... in their ICU unit after they had taken out the original tumor and had sent her home instead of keeping her overnight.... only for her to suffer from sepsis and my having to bring her back to the Hospital with her surviving the experience). They tried to manage her symptoms by giving her morphine via IV and also Benadryl. I told the P.A. and the nurses what her family history was regarding her mother passing away from a Heart Attack and also that she was at the end of her fourth year fighting bladder cancer (with over 16 cystoscopies plus chemo and BCG treatments). I don't know what her Blood Pressure was when they released her, but her migraine was reduced to the point where she felt slightly better and could tolerate her symptoms. In retrospect, I should have demanded they give her an EKG and checked everything regarding her heart (but they are the experts, they should have known given her symptoms and her high blood pressure plus history).


I stayed up keeping an eye on her until 8:30 am February 6th (and then went to bed next to her). Around 3:00 pm or so, I woke up and went to the living room (Travis had been picked up by his girlfriend's parents so we could sleep). I went about my day and checked on Penny every hour or so (and then sat to watch the Republican Debates) and she went to the restroom a couple of times during that time. When done, I watched a little news, turned off the TV and went to bed. When I opened the door and walked in the room..... I heard..... nothing...... no breathing or snoring as she tended to do. I quickly turned on the light, and there she was...... motionless (the first time I had ever seen her as such). I checked her for a pulse and she was still very warm (but I felt no pulse). That is when I noticed her tongue was starting to turn another color. I immediately dialed 9/11 and was instructed to get her out of the bed (we have a Temperpedic Mattress). It took all of my strength and using the sheet to pull her off of the bed (I have a bad shoulder and I was in the process of a gout attack, making it a difficult effort). Once she was on the floor next to the bed (because our bedroom is tiny), I was throwing the mattress off to my side of the room so I could get the space to stand/kneel so I could start CPR. That is when the police and first responders showed up (it couldn't have taken more than 90 seconds from when I called 9/11 as we live 1 block from downtown Huntley). They then took over and kicked me out of the bedroom. I started to make calls to get Travis to come home (and to get a hold of a close friend). That took 10 minutes (while they were still working on her) and our friend Deb Wolf showed up which then started to calm me down (she had gotten a hold of our Church's Pastor who was on his way). The first responders worked on Penny for 30 minutes and tried everything to revive her.... to no avail.


Our pastor (Pastor Adam Miller) then arrived and proceeded to do everything he could to keep me sane during the entire process (without Deb and Pastor Adam, I haven't a clue how I would have survived the process I went through). Travis showed up right after that, and I had to let him know that his mother had just passed away. I then asked the Huntley police to contact my step-daughter in Janesville, WI. Then the assistant coroner came and after about 2 hours, we were allowed to spend a small bit of time with Penny before the Funeral Home came to pick her up (everything from 11:00 pm to 2:30 am is a complete blur in my mind now). Our Pastor did everything he could to be a buffer of care during the entire process, and I will be honest..... Pastors do not get paid enough for the experience they go through with their congregation (I know it wasn't easy dealing with me, I can't imagine how they can deal with someone who completely loses it).


So here we are. Penny had beaten cancer, and yet she is still gone.




This is not what we thought would happen, we thought that given how many times she was at death's door during her lifetime (over 5 times, including being shot at a Restaurant by a madman in 2001), that God would not come for her as she still had more miracle testimonies to give to people. She fought a valiant battle and the Cancer had gotten her anyways (I am positive that the treatment contributed to her heart's ultimate inability to keep her alive plus her sepsis episode surely had damaged her heart to some extent). It is what it is, and I can't change any of that now.

All I know, is that I am officially a Widower and I haven't the clue how to live life without my beautiful wife.


Fox Valley Church and Penny's friends rallied around us and we were able to work things out so Penny had a beautiful wake/service on February 12th and Funeral on February 13th. As she had changed her mind about being cremated last year, I honored her wish to be buried. The problem was that we had decided on a National Cemetery in Joliet, IL. (given my Veteran Status)... and as far as I was concerned, because she had died so young.... that it would be unfair for me to do so regarding her family and friends (who would have to drive over 150 miles to visit her). So we chose Dundee Township Cemetery (where her Uncle and Aunt and her first son are interred) so all of her family and friends would be able to visit her as it is close by all of them. I then picked out a 2nd grave for me at that site (so when I pass, I can be buried next to her).

There is so much more to say, but that will have to be for another day. It took me a month to get up the nerve to post the above.... as the pain is still pervasive. All I know, is I lost my beautiful wife of 24 years and she is now with our Lord (at his side). I know that God has a plan, and that it was Penny's time to leave this blue orb called Earth. I don't want to sound too eager to anyone, but the day I am also with God and seeing Penny again is the day I will be at peace. I loved her with all of my heart and all of my being. And not having her here to share our lives together is almost more than I can bear.





Jesus said to her, “I am the resurrection and the life. The one who believes in me will live, even though they die; and whoever lives by believing in me will never die."
John 11:25-26

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The below 2 photographs are from her close friends who got together the day after Penny passed and they toasted to her memory. What a blessing it was for Penny to have friends like that.






I am not sure if I will "lock" this blog after this, or if I will continue to post. It was about both my wife's and my journey through the many blessings and hurdles that life was presenting to us. We shall see.

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A final word (if I do lock the blog).
I spent 26 years with Penny (24 1/2 of them married). Knowing how I feel, I can see why when one passes in their 70's/80's.... the other loses hope and also passes.
The hard part are meals (getting together as a family), Church, going places where we both enjoyed going together, needing to be picked up or dropped off, watching TV/Movies, reading the Bible together, having people over, listening to music together, talking about the future and other stuff that interested us (especially memories of things we've done), the simple thing such as taking off her bra late at night because it drove her nuts and scratching her back until she felt better, just holding her hand (and her hand always gravitating towards mine).


I am convinced if we had another 25 years together and she had passed, I'd be gone within a week of her passing. Because I am barely hanging on now..... the pain is palpable and is all encompassing. I am trying to pray and take solace in her being with the Lord. I miss her incredibly so. Her singing: "Oh baby you're so fine, you're so fine you blow my mind, oh baby" (to the tune of "Oh Mickey")..... 2 or 3 times per day.... always... even when she was upset with me. And always pitchy / off key...... and she loved seeing my reaction (my perfect pitch hearing catching every "off" nuance). Our pet names for each other. Her making weird faces at weird times to see my reaction. Her incredible giving and forgiving heart and her love for our children.
Her incredible faith in my goodness (even when I wasn't good - especially after she was shot and our marriage suffered greatly).... and her trust in me to do the right thing by her no matter what we faced (and we always ultimately faced it together... no matter how upset we were with each other).
It was starting to really hurt for the first 3 weeks. No worries, I will survive. But I've never known such pain......
I speak about these things on the blog because it is hard to talk to people in any other way (its like having a journal). This is the only way people will remember Penny because I spent so much time with her and I want others to know that Penny as I knew her.... and the only way is unedited and raw (because any other way doesn't do her memory justice).
A month has passed since my soulmate took her seat in heaven. It took 3 weeks for the heaviness on my heart to slowly subside... (I literally can barely recall the first week / it is but a blur). The day after, I went to church and had never felt such heartache in my life. I got sick after that and Travis made sure I went for treatment at the VA when it seemed I was in bad shape. Once we were done with the services, it took over a week for me to recover from the cold. Since then, I've been concentrating on the finances and dealing with all of the creditors so that can all be resolved as soon as possible so Travis and I can then concentrate on the house (getting it straightened back out and can concentrate on our future).
Now it is time to contemplate life and see where my future lays. Alas, I still can't conceive of it without Penny...... but I really have no choice but to figure that out.


A month.... and it still feels like yesterday....
I saw the picture below and I think about the picture of Penny at Illinois State Beach..... and I dream of that day now occasionally. I think it is Penny whispering in my ear.
I wake up and the realization that she is gone is very hard still to handle. I pray that one day down the road when it is my time, I will wake up and will see her again (with the nightmare being over).









Sunday, December 20, 2015

Penny's status is now officially listed as "in remission".



Penny's cystoscopy last Friday (her first since her surgery in July to remove part of a cancerous ureter on her left kidney) resulted in a CLEAN bill of health (no cancer was found and this was her first cystoscopy that didn't require any removal of tissue or a biopsy). So she is officially in "remission".  Hallelujah!!!!!!

Penny is now seeing her future as being bright again (and now believes that she is in the clear - cancer wise - given the removal of the diseased portion of the ureter 5 months ago and that she no longer hurts internally on the left side... for the first time in over 4 years). We are literally giddy with happiness. 

Regarding our home - we are on "Business Day 7" tomorrow regarding a decision from Wells Fargo (they re-opened our case on 12/09 when we received the partial VA dependent benefit letter and a letter from the Social Security Administration showing we will receive a benefit check on 12/31/15). They have up to 10 "Business days" where their underwriter can make a decision under Federal Law. We suspect we'll get that decision on day 10 (December 24th).... as why should Wells Fargo be any different than the government regarding dragging things out to the last day. If they issue a denial now, then we will be going to the Justice Department for help.

January 2016 should be a windfall of benefits (with our having waited almost 90 days for the Social Security Administration to "tag" my case in their system to release SSDI benefits). We will be paying a small chunk in taxes given the back dating also (it is ironic that the Federal Government will be rewarded for dragging their feet by our having enough back dated benefits to put us over their yearly limit of benefits before being taxed). Any backpay will be going to eliminate whatever medical debt and other debt that remains. Incredibly, we will have enough income after this to start saving for the future, paying our monthly bills, improving our home to accommodate our needs (such as a handicap ramp, wider doors to accommodate a scooter, a walk-in tub in the bathroom, etc), and starting funds to help our grandchildren with their future possible "needs". We will also be able to substantially tithe again at our Church. We can start paying it forward to others when the need is there (we are excited about soon being able to do so). I can start volunteering with the Marine Corps League and TLS veterans. The Travmobile will be getting much needed rust repair (and electrical repair) as will our Handicap Minivan.

We are VERY blessed at this point.... and this coming year should be the year our lives turn around for the better.

We wouldn't have gotten to this point if it wasn't for our church, family, and friends. There are so many we have to thank as if it wasn't for the prayers, fundraising help, and words of encouragement.... I haven't a clue where we'd be today. Yes, we are incredibly blessed... 

Wednesday, December 9, 2015

Mortgage Modification re-opened - underwriter will make decision within 7 to 10 days. Penny is up for her next Cystoscopy in 2 days.

We have so much to be thankful for.

A Mortgage Modification case has been re-opened today - the underwriter will make decision within 7 to 10 days (they should now have enough info to move forward). Penny is also going for her (16th? - we are losing count) cystoscopy on Friday to find out if the surgery on her left Ureter/Kidney and bladder continues to be successful (and without any cancer). Our prayers and those of the prayer team are going full steam in praying for her continued health.

At this point (after 3 years of disability), I now have a 50% service related disability benefit (with an increase possibly around the corner). Social Security Disability has been approved (and benefits will be deposited within the next 30 to 60 days). Social Security Disability Dependent claim has been filed (a decision within 90 to 180 days). These benefits were not given (as all of them were reviewed by either an Administrative Law Judge or by a Physician's review board looking at all of the medical records and listening to Medical / Vocational experts - and the service related disability was in black and white in my VA medical records on file). The fact the VA didn't follow-up with me regarding my medical conditions after I left the Marine Corps was something many veterans experienced. The last issue is Penny's SSDI hearing coming up soon (she already is SSI approved, this only ensures she is eligible for Medicare if approved).

We are in the middle of the Dave Ramsey "Financial University" course, so we will be have the best advice we can get to be financially independent for the foreseeable future. We will continue to throw everything at Penny's medical treatment to ensure she has the best chance one can have to keep the cancer in remission (there is no treatment that won't be tried if it is recommended). We are pretty certain our home will remain ours for a long time at this point. We'll be able to "Pay it forward" to others down the road (as we have received over the past 3 years) and that giving back will start once the benefit checks are in the bank and the taxes are paid.We are hoping we'll get to know our grandchildren better (we have three, with a fourth on the way). And we are going to be working on our long term nest egg to ensure our family will not be without down the road if something was to happen to us.

My days of working are long over (and the doctors say it is permanent), so one must acknowledge and accept one's limitations. I worked 35 straight years (7 of those years in the Marine Corps), and I worked a tremendous amount of unpaid overtime for the last 13 of those years in Information technology support (so now - it is time to deal with the medical repercussions of that time). That experience will culminate in the effort to start helping other Vets and people with medical problems (I've also learned a lot these past 3 years regarding how to pursue benefits - with a lot of help from Robin Alford's "The Expert's Guide to Veterans benefits - and I am hoping what I've learned elsewhere will help her in the future regarding any revisions).

According to TLS Veterans, my blog is a story of persistence that they can tell other Vets about (who are dealing with much of the same issues and who are in much the same situation)..... and as I move from the fire.... over to helping others in need, this blog will evolve into a Veteran's one stop shop of info. There are quite a few "dark" blog posts when it looked like I had given up - and I am still here. I've been told it has been helpful to more than a couple of Vets (and if anyone gets any spark in the right direction, this writing will have been worth it). There might even be a book regarding these experiences down the road (we'll see), but it will need an editor (and I have a few friends who are willing to help me parse my tendency to be verbose).

We are also noticing that more and more Vets plus those with medical crisis' are turning to fund-raising sites given the chaos that is Obama-care and the present non-paying insurance company issues. Also - being transparent about such efforts is always the way to go (and working with one's Church is highly recommended in order to keep one's head on straight if one is religious). TLS veterans and my church helped saved my life (and I will never forget that). TLS veterans is also going the online fund-raising route (and I believe other Veteran organizations are discovering such solutions to deal with budget gaps also). If we hadn't fund raised, I haven't a clue where we'd be at this point. But now, we can start the process of giving back (and the goal is to give back much more than we ever received - that's where the Dave Ramsey course comes in).

To me, this has been a long journey of pain, but also one of discovery. We found out just how much people cared for us. Yes, there are also a few internet trolls who wish otherwise, but they are irrelevant in the grand scheme of things (and are not even worthy of any more mention - they get lost in the anonymous fog of time). Thank you google analytics for what you do.

We thank everyone who has helped us get this far and it is incredible just how bright our future is.

This is just the beginning..........  =)


Monday, December 7, 2015

Accelerated Loan day - dodging the foreclosure bullet (or the day the VA indicated it will not allow Wells Fargo to set a foreclosure date)

What an incredible day.

We received a call from Congressman Randy Hultgren's office this afternoon. They are going to contact Social Security this afternoon to see if they can push the SSDI approval process forward (I just forwarded a signed Privacy Authorization to them).
The Allsup and Associates "Veterans Rep" indicates that both Travis and Penny are now listed in the VA system as "dependents". However, it could still take weeks for an award letter and/or benefits to be generated.
Another wrinkle...... apparently - Travis (despite being on SSDI already) might be eligible for SSDI under my earnings record (even though he presently receives SSDI on his own at the moment)..... and I was never told this until today (and it was another person getting benefits who gave me the heads up). This means, the benefit will be half of what I will be getting from SSA (one literally needs a scorecard / Phd to keep track of all of this it seems.... and since I used to handle long term disability claims that reduce by any Social Security Benefit - so I really should have already known - but changes constantly happen to how Social Security works and the last large change was in 1998 - after I stopped handling LTD claims for Metlife and had started doing Information Technology full time). So that should increase the dependent amount by $230 per month. However, we can't "apply" for it until I receive my SSDI approval letter (why one is not allowed to apply for it prior to an award is truly baffling - so I have asked Congressman Hultgren's office to also check into that also).
So, the combination of benefits eventually should "qualify" us for that mortgage modification.... if we ever are able to get a written benefit decision in time from the SOcial Security Administration (SSA) and / or the Veterans Administration (VA).
So everyone, this is a cautionary tale. Even though we asked if we had anything else we should fill out when applying for benefits, we were not properly informed of what we should apply for additionally considering our situation - so if you have a disabled child, DEFINITELY apply when you are applying for yourself. You never know if one qualifies, but at least... get it in writing. I am hoping others in the same situation learn from our experiences, which is why I am posting all of this info when it happens to us.
In the interim, I put in a call in to Wells Fargo asking for one final extension that will take into account the upcoming benefits instead of making a decision today regarding a "loan acceleration" (so it is in their hands). I know that with God's grace, the right thing would happen. As everyone knows, tt has taken 3 years to get to this point. Our situation is now at a loggerhead, and it will take yet another miracle to come out of this unscathed. As already shown in this blog, God is full of miracles regarding us and I am sure this is no different. The following describes the miracle we received today (a few minutes ago):
I just got off the phone with Wells Fargo. The loan has not accelerated today, but apparently that doesn't mean it won't tomorrow or the next day. The "Customer Care rep" at the "Office of the President" at Wells Fargo indicated that according to the VA housing rep - the VA will not allow the loan to go into foreclosure based on the fact that I have proven to them I have been approved for SSDI and Veterans Disability Benefits (and have shown we are trying to do everything we can to stay in the home) . So, even if the loan does "accelerate" - that Wells Fargo will not be assigning a "sale date" if foreclosure is started - and he assured me that even if the foreclosure process does start soon, that once we do receive SSDI and VA Dependent Benefits - that Wells Fargo WILL reopen the loan modification process no matter the loan status at that time - and will follow through with paperwork to finish the modification process (this is the first time I have heard Wells Fargo acknowledge that the VA has stopped any possible loss of the home as long as my benefits start within the next 45 days).
Whew....... another of God's miracles.
So now, I'll be going to Social Security tomorrow to start the dependent claim process (we won't take "No" for an answer).... and we will be checking daily on both SSA.GOV and the VA ebenefits website to see if any benefit has been marked as "Approved" and that benefits will start also (so I can get that to Wells Fargo as soon as I see the info on either website).
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You are the God who performs miracles; you display your power among the peoples. - Psalm 77:14
“With man this is impossible, but with God all things are possible” - Matthew 19:26



And today is my mother's birthday (she would have been 75 years old today had she lived past 2009 and hadn't passed away from Pancreatic Cancer). I definitely feel like she is our familial "Guardian Angel" - she loved our home and I am positive is trying to help us stay in it. We miss her terribly. The first picture is her (taking a picture with me) right after we came from Norway to America. The 2nd picture is of her at our Hampshire home about 5 years before she passed away. She was about the most loyal and loving parent I know, we didn't deserve her but were honored God chose her to be our Mother, and there isn't a day I take for granted given her having provided every fiber of her being to her children's lives. She left us too soon, and I am looking forward to seeing her again when I eventually pass.

Friday, December 4, 2015

The battle for our home is nigh... and more thin ice regarding medical coverage for Penny.


So, today was a grind to force anyone's hand by being a VERY squeaky wheel. My contact at the housing division of the VA (Veterans Administration) was given a heads up of yesterday's response from Wells Fargo and she was floored. So she took matters into her own hands and called up the guy at the Customer Care team. Apparently, this person was unaware that his company had sent to me a Loan Acceleration letter on 11/02/15 indicated the mortgage loan would accelerate on 12/07/15. So now he understands my panic. Curious that, as I forwarded that letter to both his office and the VA two weeks ago. But I digress......

Given the vulture hanging over our heads, the VA rep went to her boss... who contacted the head person at the office handling the "Dependent Claim" portion of my service related disability. That person was told of the situation and that the mere fact that my spouse lives with me should have made the claim an "automatic" claim... not a manual. So that was rectified today and my wife is now attached to my service related disability claim and our benefit will increase by $83 per month. I checked the ebenefits site and it was indeed approved (of course, all of the documentation I had uploaded to their site on 10/22/15 the VA office cannot find... so they "continued" the claim with Travis - not approved yet - but the due date for my response to their 6 questions has already been uploaded along with the supporting documentation about an hour ago).

So now we should have a qualifying change in our status (according to their definition) and Wells Fargo will have me and the VA rep on the phone with them on Monday morning to drive home this fact.

Remember folks at home, ALWAYS be pro-active. ALWAYS be the squeaky wheel (while being respectful and never throwing a temper). The mortgage companies claim that as long as their customers are communicative, that they prefer that to not hearing at all.

They have never been communicated with such veracity as with our case... I can assure you. So Monday is the deadline, lets see if this last $83 (plus including the escrow reduction of $230) for a total positive impact of $313 towards total income. That will put a modified mortgage payment around 29% of total income... well below the federal requirements for a modification.

We shall see what Monday brings.We'll be praying a lot over the next 3 days.


So I went to Illinois DHS today. They have no clue why Penny was bounced out of the Aetna Better Health plan in October. However, they confirmed she will have "Basic Illinois Medicaid" for the rest of the month. So Penny's trip to CTCA (Cancer Treatment Center of America in Zion, IL) next Thursday/Friday is a go for the Cystoscopy. Praise the Lord.

So now, once that is done... we have to go to Illinois DHS before 12/27/15 with evidence she is disabled (and even though SSI has reduced to $0.00, she is still on the books as disabled regarding SSI so all we have to do is present that to their "representative" in Woodstock... and they will try to create a new Medicaid case number that doesn't require going to the MarketPlace (and the Medicaid HMO's being provided in the Illinois Marketplace). So, a lot of praying will be happning on that front also.

What a week........


Give thanks in all circumstances; for this is the will of God in Christ Jesus for you.