Are homeworkers worth anything?

United States
October 3, 2008 1:56pm CST
A homemaker from the same town I live in was in a car accident and broke her back. The insurance interviewer asked her if she was losing time at work, she answered yes. When she was asked what she does, she answered that she is a housewife. At that point, she learned that there was no coverage because what she does is not considered "work." No wonder...people all over the place, even women, think that being a housewife is like saying you are unemployed. Is not cleaning a house, cooking meals, doing yard work, raising children, working on the budget, considered work? If it is like being unemployed, why don't we stop doing? Let's see if it gets down by itself.
4 people like this
19 responses
@suspenseful (40193)
• Canada
3 Oct 08
She should have gotten something. I mean what did they think she did all day, watch Young and the Restless, Maury, and ate bon bons? Housework is work. Has anything been done about it? She would have to pay for someone to do her housework. Are they going to wait until she runs out of money or until she is out on the street? Sounds rather unfair to me.
@suspenseful (40193)
• Canada
17 Oct 08
I hope she wins. Are they trying to force her to work outside the home and neglect her kids? Thanks for the best response.
• United States
3 Oct 08
I have no idea what will happen. I just read about it in the newspaper. She should fight it.
1 person likes this
@glords (2614)
• United States
3 Oct 08
I totally agree with you. Last year they came up with the salary a stay at home mom would make if she was paid hourly for her many jobs including cleaning, therapy, teaching, cooking, shopping, etc etc. The value was over 134,000 annually. Now thats what the insurance company should cover.
• United States
3 Oct 08
Unfortunately, we women have to support each other or it will not happen. We have to fight.
1 person likes this
@Anniedup (3651)
• Richards Bay, South Africa
6 Oct 08
OMG you will see such a mess! My friend you are so right. It must be so degrading for a housewife to justify her important position! Because in my eyes it is THE most important job in the world. She should be up there with the same status as a bank manager our a general manager for that matter. !
• United States
6 Oct 08
Maybe we need to go on strike!
@soooobored (1184)
• United States
3 Oct 08
Maybe they couldn't give her any money because homemakers are priceless! Really though, in the situation you described, couldn't she at least show the adjuster what it would cost for her husband or significant other to take time off work to contribute? Or if that's not an option, what it would cost to hire someone to come in and do the essentials in the house?
• United States
3 Oct 08
I don't know her insurance plan, but I doubt it. Maybe women need to reconsider becoming wives and mothers since our society finds it to be worthless.
• United States
4 Oct 08
Aw, that seems really bleak!! So what if there is not monetary reward? I really respect women who can stay at home, I think that if it's affordable its really good for the family... If she had been working, the insurance probably wouldn't have covered the full amount she didn't earn for the accident, so either way it seems like there will be a financial loss.
• United States
17 Oct 08
Yes, being a home make is work, and a lot of it. When you can't do your work that adds more things onto your husband to do. Then you husband is not able to focus on their job away from the home. Doing the weekly laundry takes hours to do , yes other things can be done while the washer and dryer are running, but still there is a great deal of running back and forth. all the folding and putting away. Lots of ironing. I really think that house work is under rated and has been for years.
• United States
17 Oct 08
You are right. And I think homemakers should get a salary.
• China
4 Oct 08
If someone in the family does pay for your housework, then, in my opinion, it's work. :)
• United States
4 Oct 08
Even if nobody pays for it, it is still work.
@sweetdesign (5142)
• United States
4 Oct 08
I agree with you. I only work outside the home half the year as a tax preparer. When asked if I am employed I pretty much answer seasonally and get the same "oh unemployed". I feel that taking care of the family and house are WORK! I also do other work at home besides taking care of the house so I do double duty.
• United States
4 Oct 08
The sad thing is that even women will treat women like they do nothing if they say they are housewives. Where is the support from your own gender?
@sharra1 (6340)
• Australia
4 Oct 08
Yes they do regard it as unemployed as they are not earning any money. I went for a job once and they asked me what work I had done over the last 5 years and I pointed out that I had been a full time student. They did not care they regarded it as unemployment. Not earning money to people means you did nothing. That is one of the things wrong with our society that only things that bring in money have value, that is why the world is in such a mess.
• United States
4 Oct 08
I couldn't have said it better. Even students are treated that way, too.
@mikeysmom (2088)
• United States
4 Oct 08
i would be hard pressed to have someone tell me what i do is not work. here is a typical day/week: straighten my sons room, get him up and ready for school including making his breakfast and lunch, drive him to school, go food shopping at least twice per week, do at least one load of laundry per day, get the mail which means walking down the street as we have community mail boxes, take out garbage twice per week, every other week recycling goes out, take care of all the fiances, do the bookkeeping for my husband's business, do online surveys and product testing to help make ends meet, cook dinner, pick up my son from school, help with his homework, chaperone any class trips as he has medial issues and i have to be present, walk or work out daily to stay strong so i can do all that i have to do, clean the kitchen after all 3 meals, clean the house. have i left anything out? if that is not work then i don't know what is. oh yes, and i do all the gift buying for christmas and birthdays too.
• United States
4 Oct 08
I got exhausted reading your response.....proof that you work hard...and I am sure you take your son medical appointments and work on insurance woes....not to mention making sure hubby is "happy"....
@lvaldean (1612)
• United States
4 Oct 08
Unless the "work" of housewife is specifically excluded from her policy or that of the other driver hopefully she and her family will fight this. What an insult.
• United States
4 Oct 08
I doubt that it is excluded...when necessary, people in authority make things up along the way as to what the rules are.
• United States
4 Oct 08
I too curently a homemaker...I quite frankly you could not afford me. This is a 24/7 job. .. I dont punch out and dont have nights and weekends off. It is a shame what happen to that young woman. We we do it? Well really it comes to one word.. L-O-V-E
• United States
4 Oct 08
You are so right...there is no punching in and out.
• Philippines
4 Oct 08
well there are alot of scams going on the world and even in insurance is infested with these. all i'm saying is that they are just trying to find ways not to pay their clients. the truth is insurance are created not to seave those who need help (those who pay them), but they are there to milk us like cow until the last drop. if i where you don't put your money to insurance put it on your own bank account.
• United States
4 Oct 08
I am sure this woman wishes she had.
@Avi_Gan (191)
• Philippines
4 Oct 08
You're right, being a homemaker is one of the toughest jobs in the world because you get to do it 24/7. It's easier here in the Philippines, because it's cheap to get a maid from the province so you can have someone to do the cleaning and the laundry and help you with the cooking and the kids. Being a homemaker doesn't also pay you in monetary values, but I think it's the most rewarding job of all: To see your kids grow up into responsible, successful individuals and to have your husband kiss and thank you everyday... :)
• United States
4 Oct 08
Unfortunately for many women....husbands do not kiss you and thank you every day.
• Morocco
4 Oct 08
They don't do anything except getting their paiments,but the question is can people live with their paid from the net only ?? if it is yes why still we see poor people in this world??
• United States
4 Oct 08
You are right....so right.
@ladygator (3465)
• United States
3 Oct 08
Well that is just awful. I bet she feels even worse at this knowledge. I dont even know how to respond to that. We are everything if we are a stay at home mom/wife. There are so many things that we have to do on a Daily basis that we dont even know all that we do. And in my eyes and the hearts of every family and realist we are the very heart of the future. No wonder everything looks so bleak, we are not given proper worth. To me that is very very sad.
• United States
3 Oct 08
Isn't it, though? And I do not know how many women have to fight with their husbands to allow them to buy things for their personal needs.
@KarenO52 (2950)
• United States
3 Oct 08
It was much easier for me to go to work and earn a regular salary than it is to stay home, where the work never ends. I'm glad I'm free to do what I want to whenever I want to, and can help out friends and family who are bound to a work schedule. It's a shame there is no value put on that. I've been helping one friend take care of his mom, and I've been cooking for an elderly couple. I know that health care agencies that provide such care charge quite a bit for it.
• United States
4 Oct 08
You are right, they do. And yet, you don't even know if you can trust those people from home health agencies.
@cream97 (29087)
• United States
3 Oct 08
Yes, it is a job. One that we don't get compensated for. I am a stay at home mom of three. I don't get paid for what I do. But, it sure would be nice to see some pocket change though! I don't know society looks at us like we are unemployed.. The only way that I would be unemployed, is if I did not work outside of the home. But, I do. I work inside of the home, and this is a job for me. I guess they also feel that if we are not making any money for what we are doing, then we are unemployed. This is very untrue. I know many women whom work full time jobs, and they hardly bring home any money. So, to me, they are unemployed. I wished that people would stop looking at STHM's as unemployed. Being a housewife, is not being unemployed. We work just as hard as a person who has a job outside of the home..
• United States
4 Oct 08
Not sure what the answer is...
@lishen (32)
• China
4 Oct 08
I don not think so.Because if you are not a homemaker,you will learn more about the world.
@wsfdwkx (56)
• China
4 Oct 08
yes!I think so!