In 1980 my brother died in one of those notorious one-car accidents that plague the nuclear whistleblower set. He’d arrived that afternoon with his wife and three children with U-Haul in tow to start a new life. He and my hubby drove into town to get formula and disposable diapers for his youngest, never made it home. By morning he was dead, hubby was in ICU.

It fell to me to deal with the car insurer and health insurer from his last job as health physics site coordinator at a nuke in Georgia, a job he’d quit two weeks before in order to move his family to New Mexico where we’d found refuge, had a job waiting for him building equipment consoles for radio and television stations. Because his insurance was through a rent-a-tech outfit out of Pittsburgh that often shuffled personnel around to different plants for outages and such, it covered him for a full 30 days between assignments and 30 days following termination. It came with a life insurance rider with a double indemnity clause if he died in an accident – $100,000 for his family.

It was the first time I’d lost someone very close, the first time I’d had to deal with reluctant insurers (we’d previously enjoyed purely socialist health care via the US Navy). I made a deal with the car insurer during a meeting in Santa Fe that if they’d go ahead and pay $1500 for his funeral expenses, they could fight it out with his health insurer for the hospital bills. This allowed his wife to pay for the cremation and an urn, which was only fair.

Hubby had no insurance, but the county of Taos had instituted a sales tax to cover the cost of indigent DFHs and mountain folk that ended up using the public hospital, so we didn’t have to worry about that – we never received a single bill. Which was also fair, considering they’d done absolutely nothing for him other than put him in a bed and hook him to a monitor. I was the one who pulled the glass out of his head, cleaned out his holes and butterflied his cuts, the punctured lung reinflated itself, and what can you do for smashed ribs? They didn’t even wash the blood off.

The life insurer for my brother balked, but by then we’d left New Mexico. We stayed only long enough for hubby to regain strength and get sis-in-law settled into a cabin, supplied with wood for the coming winter, and hooked up with food stamps and various support groups to help her transition to widowhood. In the end for my sister-in-law it took three lawyers in two states to get the life insurer to pay (how dead do you have to be?!), and they ate up $60,000 of the $100,000 that was supposed to go to his family.

So I got into the habit whenever life insurance salesmen called of asking if the policies they sold came with a legal rider to cover the cost of lawyers it would take to make them pay when we die. That was as effective at shutting them down as showing up to the door in a saffron robe when the JWs came calling!

My next experience with life insurance was as executor for my mother’s estate when she died in 2002. She’d worked for Blue Cross Blue Shield of Florida before retiring, had a $125,000 life policy through their offerings that she’d been paying on faithfully even when she couldn’t afford medicine. When the paperwork was done I was informed that BCBS’s provider had sold the policy when she retired, and the new insurer would only honor $60,000 of it.

Her policy was clear in black and white, she’d never been informed that her coverage had changed, and her payments had never been adjusted. I informed my sisters that it was a complete scam, that we could hire a lawyer and handily win a lawsuit. But it would take at least 5 years and the lawyer would eat more than what the scammers were offering. So of course we had to settle for the $60K, even knowing it was a complete rip-off. That policy represented something my mother had counted on to leave us, so I was glad she wasn’t around to deal with this. I reported them to the state Insurance Commissioner, who of course did nothing at all.

Health insurance is no better these days, nor has it been better for a long, long time. In 1992 our 21-year old son was injured in a car accident. We had a small business policy, $2500 deductible but a million overall. They pre-approved everything, including an air ambulance transfer from Louisiana (where the accident occurred) to Florida where we lived. Then, after his remaining injuries were identified and surgery was deemed necessary, the insurance company decided to rescind the policy and the doctors abandoned our son. Simply told us everything was fine and sent him home. He died two months later when the unrepaired rip in his internal carotid gave way and he bled to death. His doctors of record – five of them – refused to accept him into the hospital.

It took two lawyers two years to make the insurer pay the bills for what they’d approved, two more lawyers and seven years to get to trial in a malpractice suit against the doctors who abandoned him to his death for something that was entirely treatable. When it was all over the lawyers made out like bandits and we were out more than $50,000 for that small modicum of ‘justice’. The practices that were blatantly unethical and in several aspects illegal in 1992 have since become standard operating procedure. Which is where we are today.

Now whenever someone tries to sell me health insurance coverage I ask the same question – does this policy come with a legal rider to pay for the lawyers it’ll take to get you to pay a claim? None of them do, of course.

There’s a lot wrong with our medical system in this country, including some extremely serious problems with the delivery system itself I wrote about previously. Rampant malpractice, medical errors, in-hospital prescription errors, iatrogenic disease, pure negligence, etc. And a lot of that is a result of a class-based rationing system that nobody likes to admit exists, but does. Medicare patients get a different quality of care than the well-insured, the marginally insured get less care as well, the Medicaid recipients get genuinely lousy care, and the uninsured get pretty much nothing. ERs don’t even stitch cuts or set bones these days, they might butterfly your gash (or give you butterflies to do it with), dispense a pain pill, maybe offer a tetanus shot, and tell you to call a specialist who might fit you in in a month or so. The uninsured are routinely charged twice as much or more than anyone else. Nowdays even the insured are driven into bankruptcy by an accident or illness.

The only rational answer to this ever-worsening situation is universal, single-payer health care. Where everyone has the same necessary coverage and everyone receives what they need as best as can be provided. This is not what we’ll get, of course. What we’ll get are individual mandates for private scams and exactly zero oversight of the delivery system that all by itself is the third leading cause of death in the U.S., killing about 200,000 people a year who wouldn’t have died if they’d simply stayed away from doctors and hospitals.

I read today that by the time “Health Care Reform” (whatever that turns out to be) takes full effect in 2019, things will be much, much worse. If insurers are free to continue raising their policy rates at 4 and 5 times the rate of inflation – as has become the annual norm over the past decade and more – a fair insurance policy from a private insurer for a family of 4 will cost as much as $30,000 per year. If subsidies are available so that premiums, deductibles and co-pays together don’t account for more than 13% of Adjusted Gross Income, the government will be paying for all or some of this outrageous cost for every family whose AGI is less than $300,000 a year. How is that in any conceivable economic scheme “reform?” Where is the government supposed to get that much money? IRS fines of $3800 on the few who choose not to buy private $30,000 policies? That wouldn’t pass muster in any 6th grade math class!

Insurers are in it for the profits, not to make medical care available to people who need it. They are corporate entities, profit and profit alone is their job. Politicians are owned by the corporate lobbyists who are spending millions every day to make sure their scam remains lucrative. We’ll see no real reform. This is all just another huge heist and corporate bail-out, amounting to a $10,000-$30,000 tax increase plus a profits-bailout from the government for those who can’t afford the price. Which is the vast majority of us whose income has remained flat for a decade or decreased in the last couple of years.

I am surely not the only person who sees that this is never going to work. So I have grown very impatient with the strange Kabuki that pretends it might.

I might live another seven years and finally get some of that Medicare I’ve been paying into faithfully since I was 16 years old. Then again, given my strong dislike and distrust of the Amerikan medical system, I might not. That’s my karma, I’m okay with it and will take my chances. What I will NOT do is pay a huge chunk of my now nonexistent income so some insurance hack can get million-dollar bonuses for sentencing people to death. Nor will I have the government pay that same insurance hack his million-dollar bonuses FOR me. That might mean the IRS will charge me an extra $3800 on my taxes every year, but since I’m too marginal to pay that much in taxes, so what?

A friend of ours, Gordon Smith, has a good chance of getting elected this November. I’m thinking of trying to interest him in what Taos did way back in the late 1970s, of adding a penny sales tax on goods, a few cents on gasoline, a few bucks on tourists at local resorts and hotels, earmarked to the county hospital to pay for care to the uninsured. Lord knows we’ve got more than our share of DFHs and mountain folk here too (I’m one of ‘em). It worked in Taos, the referendum passed handily even in those dark economic days. I think it would pass here. And it’s a much better and fairer way of covering the actual cost of health care than anything D.C.’s been able to come up with.

[background on the NM adventure at the Institute for Southern Studies]

1. “American prosperity has always been driven by the steady supply of abundant and affordable energy.”

Actually, it was not until the rural electrification efforts of the 1930s – which were financed largely by the government as part of the infrastructure make-work provisions of the New Deal – that electricity became available outside major cities. In many states of the west-southwest, the CCC and Army Corps of Engineers worked in tandem with the rural electrification programs building dams and hydroelectric power plants to supply energy to those rural grids. Most of these RECs were cooperatives, owned by the customers who purchased the power, and governed by boards drawn from those small communities.

Note to Sarah’s Ghost: This is Socialism in action.

2. “There is no denying that as the world becomes more industrialized, we need to reform our energy policy and become less dependent on foreign energy sources. But the answer doesn’t lie in making energy scarcer and more expensive!” + something about destroying the economy.

Actually, as so graphically demonstrated last summer when the price of gasoline was arbitrarily jacked up to nearly $5 a gallon so oil companies and traders could make a literal killing, a reasonably high cost of energy that reflects its serious environmental effects, the expensive wars we are fighting to secure it, etc. leads directly to conservation efforts instigated by the people themselves rather than imposed by the government. Consumption of gasoline suddenly got cut in half as people stopped driving two blocks to the bar or convenient store, car-pooled to work, learned how to walk again, etc. It’s good for people to pay the actual costs.

Note to Sarah’s Ghost: The economy is already destroyed. Did you not notice? We did. These legs are made for walking. Or riding a bike. A truly reflective cost of gasoline – which other countries have been paying for decades – will spur investment in alternatives that will be more environmentally friendly, will bring much-needed crop price relief to farmers, and will generate jobs as more and more people are out of work with no chance of ever going back to the old ones.

3. “In addition to immediately increasing unemployment in the energy sector, even more American jobs will be threatened by the rising cost of doing business under the cap-and-tax plan. For example, the cost of farming will certainly increase, driving down farm incomes while driving up grocery prices. The costs of manufacturing, warehousing and transportation will also increase.”

Massive unemployment in the energy sector began just weeks after Saint Ronnie the Reagan took the oath of office. He ordered the wells in the booming oil and gas industry in Texas and Oklahoma (where I was at the time) immediately capped. Then he dramatically increased our dependence on imported Middle Eastern oil, no doubt to justify foreign policy adjustments that have led to current illegal oil wars in Iraq and Afghanistan. What’s under those caps is now “reserve,” as we struggle to use up as much of the ME’s supplies as possible.

Note to Sarah’s Ghost: The increased cost of doing things the old way will spur investment in new ways. Those acre-size factories dotting the landscape can install solar panels on their huge roofs to offset their costs. Wind and water storage systems can help provide night supply, but most such factories don’t run at night anyway. That’s jobs in the factories, jobs in support industries (like installation and maintenance), jobs in production, and electricity in the grid. This won’t be done so long as energy is artificially cheap. Real costs will lead to real changes.

4. “Of course, Alaska is not the sole source of American energy. Many states have abundant coal, whose technology is continuously making it into a cleaner energy source. Westerners literally sit on mountains of oil and gas, and every state can consider the possibility of nuclear energy.”

Again, America’s producing oil and gas fields expanded dramatically during Jimmy Carter’s “energy crisis” and ordered capped the moment Reagan got into office. They’ve been capped ever since. These are wells already drilled, were already producing. In order to increase our dependence on foreign supply so we could use it up and make vassals of those nations later on. Obviously, home-grown energy independence is NOT a Republican value or a “supply-side” tenet.

I live in Appalachia. I was in southeastern Kentucky last weekend and Mountaintop Removal is the absolute ultimate in environmental rape for fewer jobs and more poverty. I’m big into making a law through NC’s legislature that would forbid Duke and others from using coal mined in this way. In Tennessee there are once-beautiful communities still devastated by the massive fly ash spill, and increasing nasty health effects nobody’s attending to. There’s no such thing as “Clean Coal” – those scrubbers have been required by law since the 1970s and are STILL not installed because all coal plants get a waiver!

As for the most expensive and dangerous form of boiling water ever conceived, don’t get me started… I can go on for months. All those “secret” scram failures, failed fuel incidents and big ass dumps that have been going on since the early 1950s have killed and injured generations of Americans and are STILL not being adequately addressed. NO NUCLEAR, and I mean that most sincerely as a one-time health physicist who has seen it up close and ugly. We will NEVER be able to afford it, in any possible way.

Note to Sarah’s Ghost: Name the forum, baby. I’ll bring my real cost-benefit analyses, my technical details, and some very sick survivors. You bring your ignorance, your propaganda and your lies. Then we’ll let the People decide, m’kay?

The way we do energy in this country must change. The change will indeed cause some trade-offs, that’s why the government is going to have to subsidize some things. Like offsets for the poor, low-cost financing to the low end of the middle class (that still own homes) to refit with supplemental power generation capacity and backwards meters, revamping the grid to recover some of the 30% of generation capacity we now lose to inefficiencies of transmission, etc., etc., etc.

Putting it off another decade or two won’t help, as more and more cities find themselves under water and massive population relocation kicks in due to increased global warming. Eventually it’s just time to pay the piper, and now is our time. Go back to Alaska and take care of your kids. They need you, we do not.

I consider health care to be the #1 concern for the future viability of this nation, though oil wars/energy independence, revamped ag policies top to bottom and regulatory housecleaning across the board are all important issues as well.

Under the heading of energy policies, I’m going to have to weigh in on the whole renewed “nuclear option” horsehockey disguising itself as a cure for global warming and a means to energy independence in the 21st century. Nuclear power is a pig not even in its poke anymore – it’s fat and ugly, it’s voraciously greedy, it’s arrogant of its filth, and it can’t even fly. Hogzilla Unleashed.

We tried to leash it, honest. Succeeded for more than a quarter of a century, too. But they think we’re all dead now, or maybe just so old we’ve forgotten. We have not.

Way back in 1979, when TMI didn’t mean “Too Much Information” but “They Melted It.” Our field was health physics. Those are the folks who measure the releases and doses, make sure nothing’s leaking, monitor the reactor’s chemistry, and if something is leaking, they’re the ones who make sure workers have the right protection before they go in to clean it up.

HPs have never been very popular in the industry, though they are required to have HP staff on-site as part of oversight and safety. Apart from regular operational coverage at the plant, the HPs have a further task of ensuring that the public is NOT exposed to excess radiation, by promptly reporting over-limit leaks, accidents and any practices that break the rules. This is the power to “Stop the Job,” even order shut-down if it is warranted.

We worked for a technical support staff subcontractor rather than for utilities. This gives the HPs a measure of independence and a little job security if they happened to have to actually blow the whistle. It paid extremely well, but in the end the whole of the civilian industry was so filthy compared to the US Navy’s nuclear power program – where most reactor operators and HPs got their primary training and security clearances – that it just wasn’t worth it. So when told US military top level security clearances were no longer enough to justify our participation in the industry’s daily cover-up game, we told ‘em to take the job and shove it.

When TMI melted, we were called to meet in a Middletown motel room with the HP crew and handed a copy of 10CFR21 with the pertinent reporting sub-clause highlighted in dayglow yellow. We were given a copy of the GPU sequence of events for the accident’s 16-hour evolution, and got a thorough run-down on initial conditions – it was a horror story deluxe. We took the job measuring (and recording) releases, scans, isotopic analyses and doses beginning just four days after the accident and stayed for a month to monitor the recovery. Then we left to go back to being civilians.

We moved to a cabin in the mountains of New Mexico and wrote a book detailing the nature of the accident, its causes, and its serious effects which we’d hoped to publish while there was still time to mitigate some of the damage with intensive medical intervention and monitoring. We had help from a couple of other HPs we knew, one who had worked at TMI’s sister plant and then came to the meltdown (with the full tech schematics in tow), another who was at a different plant but checked our data per current NRC incoming. That one was my brother, HP site coordinator at the Hatch plant in Georgia before he was killed in one of those notorious one-car ‘accidents’ hours after arriving in NM to consult with us.

The book was finished by May of 1980, but was never published due to intervening murder, mayhem (and post-classification). The full investigation report – including data from and analysis of the Kemeny and Rogovin Technical Assessment and Health Physics Task Forces reports – was completed by June of 1981 and filed with the NRC, the chair of the Congressional Committee on Energy and Environment, and the chair of the Senate Intelligence Oversight Committee. In 1985 we testified before Congress and the NRC, then our house promptly burned down in a not-so mysterious “electrical wiring” fire taking what little we had left. Absolutely nothing whatsoever was done about the bad technology that led to TMI or to mitigate the harm to the public from its aftermath. The rest is history.

So we went on with our lives, did something else for a living. Now, like Zombies or some other ghostly specter of the Undead, They’re Baaaack…!!! Once again touting their golden goose as the Great Green Answer to all our energy woes – “Clean, Safe, Too Cheap To Meter!” Some things just never change, I guess.

All the top contenders for both the Republican and Democratic nominations support nuclear power as ‘Green Energy’ and a band-aid for global warming. Except John Edwards, who happens to be the candidate I support. Now, I do understand that professional politicians – particularly those nervy enough to vie for the top post – are not scientists. Nor do I expect them to be. They have probably never seen a nuclear plant, or toured one, and wouldn’t know a GELI from a TLD if it bit them on the ass. So when wannabe Theocrat (and current Republican front-runner) Mike Huckabee says…

“There’s been a real bias against nuclear energy in the United States, going all the way back to Three Mile Island in 1979, but I think most of it is unfounded,”

…I just have to roll my eyes. I was there. He was not. He doesn’t know shit.

When John Edwards was asked “Would you be in favor of developing more nuclear power here in the United States?” at a recent appearance in New Hampshire, he said very simply and unequivocably, “No.” That deserves all our applause, and certainly our votes. He may not be a scientist or a nuke, but he is a tort lawyer. If you’ve any doubts, Google “Price-Anderson.”

Now his campaign is running ads in New Hampshire touting his anti-nuclear stance, and I hope that resonates with the electorate. We can do better than nukes. All we have to do is put our national will into it, and we’ll surprise even ourselves! John Edwards believes it. I believe it too, and I’ve the experience in operational health physics (and TMI) to know what I’m talking about. No Nukes.

Links:

FOE Action: New TV and Radio Ads for Edwards in NH

WaPo: Video of Sleeping Guards Shakes Nuclear Industry

SFBG Politics: The candidates on nuclear power

LATimes: Nuclear power gets boost from candidates

USNuclear: Presidential Candidates’ positions on Nuclear