I think it all just caught up to me, all of a sudden. My entire existence seems to be "I don't know" at the moment, and that is harder for me than a known problem. I don't know exactly how many hours I'm going to get over the next two weeks (possibly around 25 per week? does that make me in/eligible for unemployment or not?), I don't know why I suddenly have a throbbing headache and am exhausted (I slept all night, even late, but it could be anxiety?), and I have a nasty dry cough that I think is probably just my allergies/sinus, but how am I supposed to know for sure? I don't know if my landlord (a realty firm that owns literally 80% of the rental properties in town) is going to be understanding about finances (they're usually...not).
I'm grateful the bakery is going to stay open, but I'm also a little anxious now about dealing with the public. The bakery is right next to the bus station in town, so we get people from all over, including Philly, all the time.
Which is all just another way to say I am, as always, very grateful for this online home and family.
No sick leave applied? No relief on insurance premiums? Argh! Do better humans!
Solano County is not included in the Bay Area shelter-in-place. Yet, anyway.
I'm mostly reading as I'm trying to get used to work and study from home, but I just wanna say that it's very good to read all of you and thank you for updating.
Since I'm not in the Whatsapp group: do we know how amyth is doing in all of this?
Just got this helpful message from one of my insurance agents that he clearly sent out to all of his business clients. So yeah, basically not our fault, and there is an exclusion, oh by the way don't forget to pay us or you'll lose the coverage that you have that doesn't do anything.
From what I have seen thus far, business policies all have the same exclusion which may read as follows:
Virus or Bacteria
Any virus, bacterium or other micro-organism that induces or is capable of inducing physical distress, illness or disease
As to Business Interruption, coverage usually hinges on direct physical damage to property caused by a covered peril, such as fire, vandalism, hail, etc. A virus typically is not a covered peril and, in any event, is often subject to policy exclusions.
As to Worker's Compensation coverage for an employee's disease, in general, the particular disease must arise in the course and scope of employment, and the risk of contracting the disease must be unique to the type of employment or the employee's duties. Similarly, under employer's liability coverage, the employee's disease must arise out of and be caused or aggravated by the conditions of employment.
Of course, each claim must be evaluated on its own merits, applying the actual policy language, and all claims should be reported to the Claims department.
Insurance companies, in a constant battle with banks for the title of most inhumane organizations ever.
Ugh, ND. I'm sorry. My heart goes out to everyone who is going to be struggling through this financially. Our finances aren't affected yet because TCG still has to work. I don't know how long that will last.
Insurance companies: redefining pondscum on a daily basis.
Scrappy, I'm sorry about your aunts.
Just caught up: Scrappy, I am so sorry. My condolences.
What a day/week! We started moving everything online this morning with a 9 am lecture. Now classes are cancelled for the rest of the week to give us a chance to catch up. Nobody knows what is happening nor is their any clarity on whether we are considered essential. Right now they are Faculty can work at home, but have to come in within a reasonable amount of time if deployed. Staff is less clear, because some work is essential to the School, and we won't be deployed, so maybe I can work at home. No one has decided whether I am essential to the School functioning.
Nurses are setting up in various offices to try to move everything non-life threatening to telemedicine. This is all hands on deck- our employee wellness and travel medicine nurses were doing it all day
