Disability and Income Loss |
Unable To Work Because Of Chronic Illness
Disability and Income Loss | Unable To Work Because Of Chronic Illness – As I mentioned in my previous article, “When I say I do“, Chronic Illness changes our life in an instant often times with no warning. We do not have time to be prepared or to save up for it and in many cases disability does not choose a certain age group. Whether you’re married or single, developing an illness or disease also means financial stress. In return we not only battle our health, but also our budget. If we are lucky to get approved for Social Security Disability, we will at least have some sort of income. Depending on our age and how long we have worked will also predict how much we get to live on each month for the rest of our lives…the younger you are the less money you will receive.
Here’s a pretty typical situation a 31-year-old who had started working part-time at the age of 15 years old became injured on the job and will never work again. Disability was approved, but the max this person will ever see is $1200 a month with a 1% increase each year. If this person is single how can they live off of this? What if this person has children? Had a house? A car payment? As you can see all of a sudden there is not enough income to cover the bills and obligations they once had. Even if your married and had two incomes, when this drastic change occurs often times no one is prepared for what can come next.
Many families resort to using any savings they have had, borrowing money from other family members, cutting everything they have to just basic necessities and even that may not be enough. I have spoken with many people who have been through this. Some lost their homes, their cars, and everything they worked so hard for. Some incurred very high medical bills to go along with losing everything.
So how do we get through this? Is there help out there for us?
There are many resources within your state and county that can help with food assistance, housing costs, utility bills, etc. Contacting these local agencies can also help give you more ideas of who can help, even contacting a local church may be of assistance. If you know of any others that can be recommended please leave them in our comment section below so our readers can use these valuable resources.
Maybe between your spouses income or disability you have enough money, but are just barely scraping by. I have recently found this blog called a Budget Friendly Life that helps with your budget, gives great tips to stay accountable, helps you to stay on track, and how to cut unnecessary costs.
I know how hard it is to fight for your health every day, but we do not have to stress over all of this too. There are agencies in place to help and resources that can guide us. Is any of this fair? No….No it’s not. We never asked for this, but we can and will find a way to get through this together.
Thanks for reading and please comment below on any resources that you know that would help with disability and income loss.
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