Showing posts with label resources. Show all posts
Showing posts with label resources. Show all posts

Monday, March 3, 2014

The Post-Academic Privilege Divide: Troubling Trends in a Growing Movement

How to Leave Academia founders JC, Kathleen “Currer Bell,” and Lauren collaborated to write this piece after a conversation concerning recent trends and themes we believe are developing in the “post-academic” movement, which we find troubling. In this post, we describe some of the assumptions that we see undergirding recent themes in the “postac community” -- the network of bloggers, writers, and publications that focus on leaving the ivory tower and finding outside employment -- and connect them to a “privilege divide” that we believe exists in today’s visible postacademic movement.


In short: we believe that the most visible and vocal part of today’s post-academic movement is serving primarily (or only) the most privileged post-academics - those who can pay for professional services or who are seeking careers in a specific range of entrepreneurial/writing fields after leaving academia. We would like to call attention to this troubling trend, as we believe that it leaves less privileged post-academics in the lurch when they go looking for advice. We understand that many of our fellow post-acs are currently embarking on entrepreneurial careers related to offering advice to or writing about folks who are leaving academia, and we would like to be clear that we support those ambitions and projects wholeheartedly. However, we strongly believe that the postacademic world at large needs to offer free, open-source advice for all post-academics in all situations, so we would like to stake a claim for our website as a resource for people who may desperately need income/assistance after leaving, or for those who may not want to seek a career related to writing or research or other pseudo-academic fields.


While all post-academics - privileged and nonprivileged - deserve support and advice as they transition out of academia, we believe that less privileged academic leavers need particular, unique types of support that are not being offered by many postac voices today - but that we at HTLA are specifically and deliberately offering with our site. We end this “manifesto” by noting our vision for the post-academic movement and how it (and we) can best serve all post-academics - not just those who can pay or those who will transition into careers that are very close to academia (policy research, curriculum writing, university administration, etc.).


Introduction


Nearly two years ago, JC wrote several posts about privilege in graduate school. She argued that differences in pre-existing privilege between graduate students (who later become adjuncts and faculty) leads to major inequalities in financial and emotional well-being among academics. Her basic thesis was that grad school exacerbates existing class inequalities: that grad school is set up to benefit people who already have financial resources and support, so that privileged grad students have an easier time doing the types of things that make progress and success in the academic world possible (living on meager fellowship money, attending expensive conferences, etc.). Those things that mainly privileged grad students can do, in turn, become the defining criteria by which academic success is identified, so that ultimately the students who are given the most support and have the best job market records after graduation are often those from more privileged backgrounds (since their resumes are full of fellowships, independent research projects, and conferences rather than teaching positions and scut work done for other academics in order to earn extra money to pay their bills).


Unfortunately, we believe that we are now seeing these privilege divides replicating themselves in the post-academic world, whereby post-academics who are more privileged (who can afford to take time off after quitting, or who can pay for new training programs or survive on freelance or part-time work until they land their “dream jobs”) are the targets of much postacademic advice being handed out publicly today. In turn, post-acs who have to take any job they can find out of financial necessity have been are telling the three of us (via emails and blog comments and posts of their own) that they feel somewhat ashamed or even marginalized by the larger postac movement for not having landed the “perfect” postacademic job, or for not working a job that is considered prestigious enough for their education level.


This worries us, since we firmly believe that no one should feel bad about the type of post-academic job they get (see recent posts that touch on this sentiment at all three of our blogs). But perhaps more importantly, we are deeply concerned that the post-academic movement and community may be on its way to marginalizing and even ignoring the financial/emotional crises that many post-academics face after leaving, and the social justice issues therein.


A lot of today’s post-ac advice talks about networking, consulting, freelancing, etc. - activities that a lot of visible post-academics are involved in themselves. And of course, it is easiest to give advice about things that you have firsthand knowledge about - we understand that! But engaging in these activities without another source of income (or a family or partner who can support you) requires a certain level of privilege in order to make it work. And unfortunately, there are many people who want or need to leave academia who do not have that level of privilege. Their first focus must be on paying rent and feeding their kids, and they cannot survive on freelancing work alone, nor can they take some time off to network or to hold out for the “perfect” nonacademic job.


We are beginning to worry that the most visible parts of the post-academic movement are focusing too strongly on the first (more privileged) group of post-academics, and are leaving the less privileged groups out to pasture without advice or support for their particular situations (how to deal with student loans, how to make ends meet, how to deal with emotional fallout in ways other than writing publicly).


When JC first left academia in early 2011, her biggest inspirations in the post-academic blogosphere were Recent PhD of the (apparently shuttered) blog After Academe and the writer of the blog Postacademic in NYC. Both of these early postac bloggers left academia after finishing their Ph.Ds and worked as a secretary and a white-collar temp worker, respectively, before moving onto different positions. JC - who left academia knowing that she needed a full-time job to pay the bills but being unsure of exactly what she wanted to do with her life (because she had never planned for anything but an academic career!) - found both of their stories incredibly inspiring. Their jobs weren’t ideal, but they were still happy, and were utterly convinced that leaving academia was the best choice for them. They gave JC the courage to quit.


In the current post-academic universe, we fear that stories like this are missing, to the detriment of those who are leaving. Of course, we would love nothing more than for every academic leaver (including ourselves!) to be able to move immediately into their dream postacademic job. But the reality for many post-academics looks much different, and we are sad to no longer see stories like RecentPhD’s or PAINYC’s out there, positioned prominently in the post-academic world.


The post-academic movement simply cannot talk about “what academic leavers should do” (during or after their time in grad school) without talking about the wide range of experiences people have in academia, the effects of which they carry with them when they leave. Not everyone networked or thought about postac careers while they were in grad school. Not everyone can afford to take time off after leaving (or even to adjunct or freelance) while they figure out what they want to do next and take a year or so to start earning a real income.


Many post-academics need to find a steady paycheck with benefits before they can think about next steps or long-term career goals. Many will have student loan collectors or credit card companies breathing down their necks after they leave, and will need to formulate a plan for dealing with those issues before they can think about what their ideal postacademic career would be and sacrifice to prepare for it. Yet other people may not even want to seek out a new career immediately after leaving, but may be content to just find an administrative, paper-pushing job that will allow them to spend time with their families and to enjoy their lives away from academia, without the stress of freelancing or entrepreneurship or other such endeavors.


All of those life situations and choices are perfectly valid, and all of those groups of people deserve to be helped by the postacademic movement. Unfortunately, the focus of the public post-academic movement in recent months has noticeably shifted toward the more privileged or ambitious groups, and is leaving the rest of the post-academics without much visible help.


In 2011 and 2012, there were no national news articles about the plight of the post-academic or the adjunct. There were few conversations about these issues on Twitter or Facebook. There were simply a few post-academic bloggers, writing entries in the evenings after their office jobs or during their frantic post-academic job searches. Bloggers sitting on the couch on the weekends, answering emails and responding to comments, offering whatever tiny pieces of advice we could think of to the desperate people who wanted to leave but couldn’t find any help or support outside of our little blogs.


Today, however, post-academia has exploded. We are getting national attention from journalists, Twitter conversations fly fast and furious, and there is a whole industry developing around helping academic leavers negotiate the transition out of academia and onto something new.


That “something new,” however, far too often involves a narrow range of career choices like freelancing, coaching, or working in alt-ac positions in universities. And the new post-academic industry too often reserves its advice for those who can pay, while ignoring the more ad-hoc, casual, unstructured requests for help. Twice in recent memory, editors of this blog have noticed tweets in which potential post-acs asked for general advice about leaving or career guidance from any of the post-acs who are active on Twitter….only to see those tweets go unanswered until one of us from HTLA answered, sometimes hours later.


Meanwhile, post-academic blogs seem to have fallen by the wayside, to a large extent. There are articles in national magazines and websites offering up services for hire to people who want to leave academia...but the old stories of “how I left academia and how you can, too!” are all but missing today. We find this pattern problematic. Post-academia, in our opinion, should be about helping all leavers get through that tough time.


We are not asking all post-academics to pay attention to all groups of academic leavers, or for everyone to offer advice ranging from how to become a freelancer down to how to become a secretary.


However, we would like to directly call out this shift in the public movement and identify it as problematic, and we would like to clearly and directly stake a claim for our space in the post-academic universe. And we are asking the most public and active post-academics to remember that there are other types of (less privileged or less confident) academic leavers out there, and that there are resources out here for them as well.


What How To Leave Academia (HTLA) Offers to the Post-Ac Movement


At How to Leave Academia, we have traced the history of the post-ac movement in some detail, and note that while the movement actually started several decades ago, the past few years have seen exponentially more voices entering the scene (with, surely, more to come). More and more grad students, adjuncts, and full-time faculty are quitting, and we are proud to be significant contributors to the resources available to those who are on their way out of the ivory tower.


But one aspect of How to Leave Academia that is at least somewhat unique is that we are a free, collaborative, peer-to-peer resource, created by post-academics, that offers not just career support, but life support. We are, to our knowledge, the only post-academic clearinghouse that targets struggling post-academics who have to rebuild their lives from the ground up after departing. This was our explicit goal when we started HTLA: from day one, our site has focused primarily on issues of debt, desperation, and hard choices for post-academics who are leaving academia with no safety net to catch them and no idea of how to progress in this new life.


This focus arose from the fact that none of the founders of HTLA were able to financially endure a prolonged period of unemployment (or marginal employment) after leaving, and that all of our post-academic life choices have proceeded from that point. We’ve applied for unemployment; we know what it’s like to feel as though our loans are a life sentence of punishment for graduate school; we struggle to create savings, let alone retirement funds; and, out of necessity, we work jobs we are indifferent to or even hate. Dropping out of grad school or refusing adjunct work was an important step for us, it’s true: but in our cases that step needed to be immediately followed up quickly with something. Putting thought into long-term career plans and into what our skills and strengths are was definitely something we did and continue to do, but by necessity those steps had to come after the steps of “consolidating and starting to pay on our student loans” and “finding a job - any job - that pays actual money so that we can buy food.”


It seems that this reality - that many academic leavers can’t survive a year of adjunct/freelance pay or marginal employment while they figure out what comes next - is being ignored by many in the postacademic movement. Many post-acs who exit grad school or adjuncthood in financial ruin and emotional turmoil are suffering from the consequences of the academic house of cards, yet they are given little to no support (as compared to the attention paid to the “success stories” who leave academia for a prestigious position elsewhere). And further, we worry that the glorification of the success stories (as opposed to the folks who left and are happily working as secretaries) can alienate some people who want to leave, but worry that they will be “doing it wrong” if they don’t find an awesome, Ph.D-level job right away.


Because of our experiences, we all believe that new post-academics need more than platitudes about “unlocking career potential” or “beginning new learning journeys,” and they need more than rousing rants about the corruption of academia or advice about how to find an industry research job. Those things are certainly important in the postacademic journey … but “not becoming homeless” is also important. And for many less-privileged academics, adjuncts, and grad students, “becoming homeless” is a very real fear. And getting yourself gainfully employed after you leave - no matter what job you take - is a goal that the postacademic movement needs to highlight and champion.


Rants and mental exercises and virtual support sessions for launching a freelance career are great, but post-academics also need practical, compassionate advice about entering the world of “9-5 employment,” if that’s what they have to do to survive. Historically, websites and articles have touched on this, but today’s public postacademic movement is absolutely not focused on those mundane, “how to survive in an office job while you get back on your feet” types of things. We at HTLA want to stake our claim for that audience of post-acs, and want to state - loudly and clearly - that that type of life choice is a good and valid one that should be applauded.


The fact that this is not currently happening - that twitter calls for people to “network” get more attention than any acknowledgement that some people need to find “any job” after leaving, and that coaching businesses are booming while publicly-accessible postacademic blogs are falling by the wayside - has led us to conclude something that is hard and sad for the three of us to come to terms with.


Yes, Virginia: there is a privilege divide in the post-academic movement.


A Way Forward


We neither demand nor expect that everyone agree with our critiques about today’s postacademic movement or with our stance on the future of post-academia, but we are hoping that more folks will share our vision. So what are our hopes for the postac movement, and our personal goals going forward?





  • We want career advice for post-academics to be broad, and take into account the variation in privilege, positionality, and resources of post-academics.




  • We want open-source stories, advice, and information to be available. Those who want to pay for access are welcome to do so, but that should not be the only way for post-acs to receive information and help. Because not everyone can pay.




  • We want a shift from ranting to genuine, purposeful critique; support; and a sense of community responsibility to advocate for others in the same position, or positions different from our own.




The lone genius in the ivory tower, the cutthroat competition within subfields of subfields of study, the ruthless job market, the inherent privilege bias on the ladder to success: post-academia is dangerously close to replicating these structural disasters that we all recognize in academia. Is this what we really want to reproduce - the prestige-based and unequal structure that we all fled academic to escape? What if the post-academic movement was instead about collaborative creation, mutual support, and social justice and was available to everyone, regardless of ability to pay?


For our part, we hope to live out these values in the collaborative space of How to Leave Academia, where the advice will always be free and written by post-academics on a volunteer basis, where ads will always be free, and where we will soon have a free, open forum for postacademics to seek help and advice. Our e-book, Moving On: Essays on the Aftermath of Leaving Academia, is value-priced so it is affordable for anyone who wants it, and its proceeds will go towards maintaining and expanding the site for the postac community. And we will continue to rattle our swords for structural reform to higher education (since we have no skin in the game other than a volunteer-staffed website), and will continue to offer advice for all post-academics, not just those who can pay.


We hope that other post-academics will follow suit, or will at least pay attention to different (less privileged) groups of academic leavers … and point them to the free resources that are out there. After all, we are all in this together. And if you remember how scared you were when you left and how grateful you were for the support that you received from those of us who were already out here … you should realize how important it is for those resources to be out here for everyone.

Friday, January 3, 2014

#MovingOnPostAc E-BOOK AVAILABLE NOW, ALL FORMATS, $2.99!

 

movingonWe are thrilled to announce that Moving On: Essays on the Aftermath of Leaving Academia has now been released!! We've been working on this book for a year and are excited to share these wonderful stories with everyone interested in the experience of leaving academia.

Here is the link to where you can purchase the book on Amazon for your Kindle, or simply to read in your browser via Amazon.

Here is the link for all other formats, via Kobo.

The e-book is $2.99, and costs go towards publication expenses and site maintenance. We priced it as low as possible to make sure it's available to anyone, even us brokeass ex-grads. It would also make a great gift to anyone you know going through this.

If and when you read the book, please leave a review on Amazon. THANK YOU for your support of our project and for your support of all post-academics.

If and when you read the book, please use hashtag #MovingOnPostAc to share your thoughts!

Tuesday, November 5, 2013

Life Coaching: Working with One, Working As One

Posting on behalf of Kathleen "Currer Bell" Miller.


We at How to Leave Academia have observed the growing popularity of the life coach, both as a resource for folks transitioning out of academia, as well as a new career path for those billing themselves to post-and alt-ac individuals. Since a few of our readers were uncertain as to what a life coach does, how to locate a coach that’s a good fit for you, and what to expect from life coaching, Kathleen “Currer Bell”  has designed this handy-dandy guide to life coaching full of general information with examples from her own practice and knowledge. She is nearing completion of an intensive training seminar with Martha Beck (author and monthly columnist for O: The Oprah Magazine) and is currently working toward her life coaching certification. She is happy to announce that as part of her certification process, she is taking on clients for a very low fee.


What is life coaching?


In a very general sense, a Life Coach helps people clarify and articulate what they want most from life and how best to achieve it. More specifically, coaching helps people get past their obstacles in order to create the results they want in life, work, relationships and spiritual growth. Coaching is like having a “personal trainer for your soul.” Life coaches don’t tell people what they should do; rather they ask powerful questions in an effort to help the client find the answers that always lie within. A good life coach will not tell you what to do. Coaching is particularly helpful if you feel out of balance, i.e.; working too much, playing too little (or the opposite); if you feel something is missing but can’t put your finger on it; if you want to pursue a new career or change jobs; or perhaps you simply want more joy in your life. Coaching gives you someone who holds the space as you grieve and grow, and promotes accountability for your own transformation. Change can be difficult and it’s useful to have someone navigate the journey with you.


 

You can see why life coaching would make sense for people in the middle of the huge transition out of academia, especially if you have no clue where you are going or what to do next. But people in many life situations might want to consult a coach: people going through a divorce, folks who are navigating empty nest or retirement transitions, or people who have just lost a job, are changing jobs, or who are facing a medical diagnosis that means lifestyle changes are imminent, etc.


 

Coaching is not a substitute for therapy


Let me clarify that coaching is no substitute for therapy. It is not for people with serious emotional problems. Coaching is about creating results, not dealing with crises. It focuses on the future and, as a result, can assist to change attitudes resulting from past experience. Life coaching might be a great option if you have processed your emotions and are ready to make a next step.


 

How long does coaching last?


Coaching is an individual process and so clients may sign up for sessions ranging from 1 to infinity. However a good coach ultimately wants you to be able to coach yourself. They will teach you the tools to do the work of coaching on your own; a good coach doesn’t want to set up a codependent relationship. Clients may benefit most from 3-6 months worth of coaching, or even up to a year in some cases. After all, making long-term changes in thought patterns and behavior isn’t work one does overnight! But there should be an end date to a good coaching relationship. You can discuss finances up front, and most coaches can come up with a flexible range of services to maximize your value while working within your personal budget. Newer coaches in the process of certification (see below) often offer services at a discount or even for free as they establish their credentials.


 

How do I pick a coach?


Most life coaches will offer a free 20-30 minute information session. During that time, you can ask questions related to the coach’s training and experience, how sessions typically progress, reimbursement, etc. Your potential coach may offer a brief sample of his/her coaching technique in order to help you decide. Remember, this is a time for your coach to interview you, but it’s also a time for you to interview and determine the fit of your coach.


 

While picking a life coach, you may want to consider the rapport you have over the phone or Skype. Does the coach’s voice resonate with you--its pitch, tenor, pacing? Do you enjoy your coach’s energy? Does your coach laugh and joke around? Is s/he more serious? Do you get the sense that he/she is listening and responding to your specific situation and desires? Personal communication preferences will be key here, so pick someone who complements your own energy and communication style. Go with your gut.


You should also look at consider the program your life coach completed. Coaching is an unlicensed industry, so people can declare themselves life coaches without training or certification. The International Coaching Federation (ICF) is taking steps to make life coaching a more regulated industry and if working with a coach from a coaching organization is important to you, you may want to search the site for someone who is ICF certified.


Life coach training programs are very diverse, and some are pyramid schemes designed to get money from trainees, so investigate the program with which your coach is affiliated. Reputable programs like Mentor Coach and the Martha Beck Coach Training Institute are respected programs with articulated philosophies for their approach to life coaching. Some programs adopt a positive psychology approach, while others are devoted to goal setting; others are more holistic in their approach. You can imagine that the philosophy under which a life coach is trained says a lot both about their own values as a coach, and the advice and style they will offer you.


A program like the Martha Beck Coach Training Institute draws from Eastern philosophy, Western medicine, mind-body coaching, cognitive behavioral therapy, and Acceptance and Commitment Therapy. I was drawn to Martha Beck’s holistic approach, as it used the tools of many different philosophies to push back against painful and limiting beliefs we have about ourselves and our stories. Plus, Martha Beck is a former academic and her scholarly, but humanistic approach, appealed to me. Coaches trained by Martha Beck are also encouraged that their most powerful coaching comes from their own “to-hell-and-back” story. Life experiences then become a powerful indicator of choosing a “right fit” coach - and this might be a good strategy for you to use as you look for your own coach.


If you’re struggling as a new divorcee, you might want to consider looking for coaches who specialize in relationships, or for those who have been through experiences like divorce or single parenthood themselves. Of course, it is definitely possible that a coach who has not been through a particular life event can offer excellent coaching on that topic, but you may find that someone who has navigated the waters you are venturing into may be particularly resonant in their advice for your situation. So along those lines, if you’re a post-ac leaving academia, you may benefit from a coach like Julie Clarenbach who has made the transition, conducted a successful post-ac job search, and worked outside the academy.


How to Contact Me


If anyone is interested in my services or has additional questions about coaching, they can contact me at kathleen.miller127@gmail.com.  I look forward to speaking with you!

Sunday, February 24, 2013

Medicaid/Medical Assistance Plan Links, By State

Below, you can find a set of links that will take you to information about medical assistance programs for each state (Medicaid, S-CHIP, or other programs).

Most states, unfortunately, do not offer traditional Medicaid coverage for able-bodied, working-aged adults without children. However, several states do offer other types of medical assistance for working-aged adults, so you should be careful to explore all programs in your state before concluding that you can't qualify for anything.

If you are pregnant or have children, it is far more likely that you will be able to find state coverage. Medicaid eligibility is far less stringent for pregnant women or children under 18, so even if you or a partner don't qualify for benefits on your own, your children (born or unborn) will very likely qualify for coverage if you don't make much money. In fact, graduate student couples in many states have been able to cover their children on state Medicaid programs, because their family income (via graduate stipends) is so low.

So if you're leaving academia with kids and don't have a new job lined up, you should definitely explore whether your kids (at least) may qualify for state coverage.

For each state, I tried to pull a link that provides a gateway to all of the Medicaid eligibility information (and applications) for each state. However, each state offers multiple assistance programs and has complex eligibility requirements for each, so be sure to spend some time looking around your specific site – there may be more information/programs out there than are covered on the linked pages.

Alabama: http://www.medicaid.alabama.gov/CONTENT/3.0_Apply/3.2_Qualifying_for_Medicaid.aspx
Alaska: http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx
Arizona: http://www.azahcccs.gov/applicants/default.aspx
Arkansas: https://www.medicaid.state.ar.us/InternetSolution/consumer/who.aspx
California: http://www.dhcs.ca.gov/services/medi-cal/Pages/ApplyforMedi-Cal.aspx
Colorado: http://www.colorado.gov/cs/Satellite/HCPF/HCPF/1251573247952
Connecticut: http://www.ct.gov/dss/cwp/view.asp?a=2353&q=305218
Delaware: https://assist.dhss.delaware.gov/
District of Columbia: http://dhcf.dc.gov/services
Florida: http://goo.gl/e7VKX
Georgia: http://dch.georgia.gov/medicaid
Hawaii: http://www.med-quest.us/eligibility/EligPrograms.html
Idaho: http://www.healthandwelfare.idaho.gov/Default.aspx?TabId=123
Illinois: http://www.dhs.state.il.us/page.aspx?item=30359
Indiana: http://member.indianamedicaid.com/
Iowa: http://www.ime.state.ia.us/Members/index.html
Kansas: http://www.kdheks.gov/hcf/healthwave/default.htm
Kentucky: http://chfs.ky.gov/dms/eligibility.htm
Louisiana: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331
Maine: http://www.maine.gov/dhhs/oms/member/index.shtml
Maryland: http://mmcp.dhmh.maryland.gov/SitePages/About%20Our%20Programs.aspx
Massachusetts: http://www.massresources.org/masshealth.html
Michigan: http://www.michigan.gov/mdch/0,4612,7-132-2943_4860---,00.html
Minnesota: http://goo.gl/mw8MV
Mississippi: http://www.medicaid.ms.gov/Eligibility.aspx
Missouri: http://dss.mo.gov/pr_health.htm
Montana: http://www.dphhs.mt.gov/programsservices/medicaid.shtml
Nebraska: https://dhhs-access-neb-menu.ne.gov/start/?tl=en
Nevada: https://dhcfp.nv.gov/index.htm
New Hampshire: http://www.dhhs.nh.gov/ombp/medicaid/index.htm
New Jersey: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/
New Mexico: http://www.hsd.state.nm.us/mad/CMedAssisPrograms.html
New York: http://www.health.ny.gov/health_care/index.htm
North Carolina: http://www.ncdhhs.gov/dma/medicaid/
North Dakota: http://www.nd.gov/dhs/services/medicalserv/index.html
Ohio: http://jfs.ohio.gov/OHP/consumer.stm
Oklahoma: http://www.okhca.org/individuals.aspx?id=52&menu=40&parts=11601_7453
Oregon: http://www.oregon.gov/oha/healthplan/Pages/app_benefits/main.aspx
Pennsylvania: https://www.humanservices.state.pa.us/compass.web/CMHOM.aspx
Rhode Island: http://www.dhs.ri.gov/DefaultPermissions/HealthCare/tabid/945/Default.aspx
South Carolina: https://www.scdhhs.gov/how-to-apply
South Dakota: http://dss.sd.gov/medicaleligibility/
Tennessee: http://www.tn.gov/tenncare/members.shtml
Texas: http://www.hhsc.state.tx.us/medicaid/med_info.html
Utah: http://health.utah.gov/umb/
Vermont: http://www.greenmountaincare.org/vermont-health-insurance-plans/medicaid
Virginia: http://www.dmas.virginia.gov/
Washington: http://hrsa.dshs.wa.gov/client.htm
West Virginia: http://www.dhhr.wv.gov/bms/Pages/EligibleForMedicaid.aspx
Wisconsin: http://www.dhs.wisconsin.gov/medicaid/
Wyoming: http://www.health.wyo.gov/healthcarefin/medicaideligibility/index.html

Friday, February 15, 2013

Discovering a world of post-academic possibilities: How to benefit from informational interviewing

This guest post was written by Liza Shoenfeld, a blogger who studied neuroscience at Bowdoin College before working as a research technician, and is now a second year grad student funded by a National Science Foundation Graduate Research Fellowship. By day I research how Lou Gehrig’s disease slowly obliterates muscle control, but by night she explores the many career options open to graduate students in the sciences.



When I decided not to pursue academic science, I suddenly confronted, as I’m sure many of you have, the enormous task of trying to choose between all of the other careers that there are. Worse, I had no clear idea of what these possibilities even were – only that there lay a vast, hazy world of jobs out there that did not involve test tubes or spectrometers or grant applications.

I came to this decision during my first year of grad school, already embedded in an institution so divorced from the reality of its trainees’ futures that it seems to hold a restraining order against the grim statistical evidence that fewer than 15% of PhDs in the biological sciences go on to attain a tenure-track position within 6 years of graduating. Yet this was precisely the career for which we were trained. There was little room for – or even interest in – a discussion of more realistic career options.

So I embarked on a project to meet with people who had left grad school to pursue careers in a variety of different fields. I wanted to learn from these people: How did you get where you are today? Which skills have you carried with you from grad school, and what have you learned since then? What do you find most meaningful in your work now? What is your advice for someone in my position?

I met with people in consulting, insurance, policy-making, competitive intelligence, teaching, grantmaking, project management, freelance writing, technology transfer, human resources, communications, university administration, and more. Some had quit grad school and found fulfillment elsewhere. Some had come from academia, some from other graduate
backgrounds, and I also spoke with some who had found success without ever stepping foot in the fluorescently lit halls of graduate school.

I learned that this type of conversation is generally called an “informational interview,” and aside from its obvious networking benefits, I found the process enormously inspiring for two reasons: One, it opened my eyes to a world of fulfilling and successful careers outside of academia. And two, each conversation taught me something new about how I might find my place in that world.

My interviewing project, now in its second year, was born out of my frustration that my graduate program is training me for a career that I’ve come to view as both unrealistic and undesirable. By talking with so many people outside of my graduate school bubble, I’ve learned how to branch out from the narrow path of the academic pipeline.

For those who have not yet benefitted from informational interviewing, I highly recommend it. I knew little about the process when I started, but in the last year have conducted over 2 dozen of these conversations. I have since created a website called, called “branching points”, designed to give graduate students ideas and resources for careers outside of academia. While much of the site is
targeted to students in the sciences, there are a number of resources that I hope are helpful to people of any background. You can find my beginner’s guide to informational interviews, which includes how to find people to interview, how to ask for an interview, 10 tips for informational interview success, and 10 questions you should ask. Also included are profiles of nearly a dozen “alternative” careers. Q&A’s with recent grad-school-grads, resource guides, and my thoughts on branching out from academia.

Sunday, January 27, 2013

Finding Health Insurance as a PostAcademic: The Basics

Soooooo ... health insurance. The thing that few people understand, everyone hates, and no one wants to have to buy. Let's talk about it!! :)

When you leave academia, you will unfortunately be leaving your university-provided health insurance behind. And unless you're one of the lucky people who lands a job with health benefits before you officially separate from your university, you will probably be facing a period of time where you won't have any health insurance coverage ... unless, of course, you take the time to find and buy some on your own.

You could always try to just take your chances by remaining uninsured ... but I really don't recommend it. Even a crappy insurance plan will save you money compared to what someone without insurance would pay if you developed a significant medical problem.

Now, finding and buying health insurance can be super-scary and intimidating ... but it's manageable. You are smart and accomplished, and you can tackle this problem like any other that you've faced in your academic life. In fact, what you need to do is to do some research about what kind of health insurance coverage is available to you. And you DO know how to do research, don't you???? :)

If you're planning to leave academia, you'll want to start doing this research as soon as possible. Even if you don't need to buy a policy for a few months or more, it will make things easier if you find out ahead of time (1) what you can qualify for and (2) how much it is likely to cost you. Then, when it's time to actually pull the trigger and buy some, you will be prepared.

So here's a starter guide to finding health insurance after you leave academia. As you read, please feel free to leave a comment or email me at leavingacademia(at)gmail(dot)com if anything is unclear or if you have any questions.

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First things first - once you know you are officially leaving, you should check with your university to see if you will be able to keep your current coverage for a set period of time under the federally-mandated COBRA provisions.

The COBRA legislation allows people who are losing their group health insurance (which is what you have through a university) to keep their coverage for a set period of time if they pay their premiums on their own. When I initially left my graduate program in 2011, I was able to keep my health insurance for six months under COBRA before I had to buy an individual health plan.

On one hand, your university benefits are quite possibly better than anything you will be able to buy on your own ... so you might want to take the opportunity to keep them a little longer. On the other hand, though, the premiums may be too expensive for you. But you won't know unless you check, so contact your insurance company or someone in the university benefits office to check.

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Once your COBRA benefits run out - or if you decide not to take advantage of them - it's time to find brand new health insurance, unrelated to what you had in academia.

This is where things can get a little rough. This may very well be the first time you've had to seek out and buy a plan on your own, rather than having one provided for you by your parents or the university. So let's talk about how health insurance works and how you can go about finding yourself a plan.

In the U.S. today, there are four primary ways that you can get health insurance coverage if you are not eligible for Medicare. You can (a) get group coverage through your or a family member’s employer, (b) purchase a regular individual health plan for yourself or your family, (c) purchase one of the “preexisting condition health plans” that are now offered under the provisions of the Affordable Care Act (or “Obamacare), or (d) see if you or your family qualifies for Medicaid coverage.

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If you fall into the first category described above – (a) people who have access to a group health plan through a new job or a partner's or (if you’re under age 26) parent’s employer, then great! Chances are good that whatever coverage you will be able to get this way will be better (and possibly cheaper) than anything you will get through the other three categories. You should immediately touch base with HR and figure out when and how to enroll yourself on the plan.

Unfortunately, however, many of you who will be leaving academia will not have immediate access to a new group health plan and will need to find other coverage. That’s where the other three categories of coverage come in.

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If you don’t have access to a group health plan but you’re reasonably healthy and have enough money to pay a premium every month, you can try (b) applying for individual health coverage in your state. In this post (ed. Note: linked post forthcoming), you can find a list of the 2-3 largest providers of individual health coverage in your state, with links to the application pages for each.

If you apply for individual health coverage, you will need to answer a lengthy questionnaire about your recent health history, doctors that you’ve seen, medications you take, etc. It can feel invasive and stressful, but unfortunately, it’s what you need to do to buy individual coverage.

Once you fill out the application, you will hear back from the insurance company in about a week or so with a response to your application. They will either offer you coverage (invariably for a higher premium than what you are originally quoted on the website), or deny you coverage if they deem that you have a preexisting condition.*

If they offer you coverage, you can either accept their offer or call to speak with someone about other plan options that they might be willing to sell you, which might be more affordable (for example, you may be able to find a plan with a cheaper premium but higher deductible). But it’s important to understand that once they offer you coverage, it is not in effect until you pay your first premium. You can always decline the coverage they offer, or change to a different plan, or look elsewhere. But don’t be scared to fill out the application – you’re not buying anything at that point.

If you’re going this route, I would recommend filling out applications for more than one insurance company. The plans and premiums will vary between companies, and it certainly can’t hurt to check out a few different options from different companies.

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Now, if you do find that you’re declined coverage because of a preexisting health condition, you do have options. Under the Affordable Care Act, each state must now offer (c) coverage to people with preexisting conditions under either a state or federal plan. You (the policyholder) will pay the premium, but they cannot deny you coverage for health reasons.

In my experience researching these plans, both the premiums and coverages are pretty solid. If you can qualify for these policies, don’t hesitate to apply.

The one important catch with these plans, however – and it’s a big one - is that you must be uninsured for six months before you can buy into them.

Is this ideal? No, of course not. But if you have health problems, this may be your only option for coverage … so make sure to have your application and premium check ready to go after six months. A state-by-state list of where to go to apply for the state preexisting condition plans can be found in this post.

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And finally … if none of these options work for you or your family, you can go here to find a state-by-state list of (d) eligibility requirements for Medicaid. Medicaid is government-run health coverage, funded primarily at the state level, which provides coverage for low-income Americans.

It is far easier for people under age 18 and pregnant women to qualify for coverage than healthy adults, but the eligibility requirements vary by state. So if you think you might qualify, spend a few minutes checking out the eligibility requirements.

And if you have children under 18 who don’t otherwise have coverage, make sure to check out the eligibility requirements for kids. Like I said above - it's far easier to get coverage for children than adults. Even if you can't find coverage for yourself, you can probably find some for your minor children.

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So, start here to look for coverage. You may also want to look into whether you might have access to health care discounts through groups or organizations that you belong to. Some discipline-specific academic organizations offer discounts on health coverage to their members without institutional affiliations, and people with military or union connections can sometimes have access to health insurance coverage through those groups.

But if all else fails, this post will give you a place to start to find some health insurance coverage.

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Now that you know what kind of coverage you can qualify for and where to go to apply, you’re done with Step 1 in this process. Step 2 will involve figuring out what the best policy you can afford will be, in terms of the benefits that each plan offers.

Stay tuned … we’ll have a post up soon that will help with that.

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(*Preexisting condition denials should be rendered obsolete in 2014 through the Affordable Care Act. However, right now they can still occur, so you should be prepared for the possibility that they'll be an issue for you.)

Thursday, January 3, 2013

If You Are In Crisis: Hotlines and Other Emergency Help for the Distressed Post-Ac

If you are feeling suicidal or are in a serious, can't-take-it-anymore crisis, there are people out who can help. Please don't hesitate to call one of these numbers or to reach out for help. Grad school and academia can be sites of tremendous stress and anxiety and isolation, and you are not the first person to reach a crisis point. You are not alone, and there is help out there for you.

In memory of a VERY SPECIAL FRIEND HORIZON via Compfight


The Kristin Brooks Hope Center has a dedicated crisis line solely for grad students anywhere to use: 1-800-GRAD-HLP (472-3457)

From their site:
Recent studies have shown that the pressures of academic performance, finances, advisor relationships and other factors create intense anxiety for many graduate students, bringing some to a dangerous point of crisis.

That's why we've come up with the National Graduate Student Crisis Line -- a toll-free, 24-hour hotline staffed by highly trained phone counselors who understand the unique issues faced by grad students like you.



Please don't hesitate to call. These people understand what you're going through, and they are here to help.



If you are thinking about harming yourself, please call the National Suicide Prevention Line 1-800-273-8255.

For more general suicide prevention and crisis hotlines, check out this site. They list national hotlines as well as links to organizations and crisis lines for every state in the U.S. As that site states: crisis counselors are waiting for your call. They are there to help. Don't hesitate.

If you feel like you are not in immediate crisis but still need help, please contact a mental health professional in your geographic area. Listings for licensed therapists and counselors and other mental health professionals can be found in your local phone book and the internet, as well as through many insurance company websites. If you are still employed or enrolled at an institution, find out if they have a faculty/staff counselor or student counseling service that can help you for low or no cost. This is how a lot of us get help when we're sick and tired of feeling sick and tired. Community health services are also a great place to look, as well as women's resource centers.

Many therapists will schedule quick appointments for people in crisis, and many charge on a sliding scale. Don't be afraid to make some calls. They are there to help.

And don't be embarrassed to seek help. I've done it, as have many people I know both inside and outside of academia. (Me, too! And me, too! Chime in the co-editors of this site.) Going to a therapist doesn't make you crazy or broken. It just means that you need an impartial person to give you some perspective on what you're going through.

Grad school and academia can wreak havoc on your mental health ... we all know it. Grad students joke about popping antidepressants and about how they're too anxious and overworked to sleep. I'm willing to bet that every single person reading this post right now can think of at least one time when they had some type of emotional breakdown over their academic work - a crying jag, a panic attack, a screaming fit, or maybe just a few days where you could not motivate yourself to go to campus (or even get out of bed). It's not just you who feels this way. A 2009 article in the Chronicle of Higher Education (subscription required) summarized some major findings about the mental health of graduate students, and the findings were not good:
At the University of California at Berkeley, 67 percent of graduate students said they had felt hopeless at least once in the last year; 54 percent had felt so depressed they had a hard time functioning, and nearly 10 percent said they had considered suicide, a 2004 survey found. By comparison, an estimated 9.5 percent of American adults suffer from depressive disorders in a given year.

You are not alone, and there is no shame in asking for help. Please, if you are in crisis, make a call.

And please: don't end your life over academia. The world is better off with you in it. The transition out of academia is tough and the chasm can feel deep, but we truly believe you can lead a happy life outside the ivory tower. Get help through the roughest patches.