I'm Disabled and scared

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TempleofTheSoul

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I have been on disability from Social Security for almost 5 years now due to the fact that I suffer with Schizo-Affective disorder… a mental illness which cripples me in every aspect of my life.

This year has been a horrible one and I don’t know how much more I can take. I have seen this year my mother die of cancer before my eyes as I cared for her in my home. This I did through the grace of God and inspite of my being disabled with the help of no one. Then a month after my mother died I almost died from a pulmonary embolism and spent 9 days in the hospital.

Before my mother died she constantly reminded me of the life insurance policy she had and that I was her beneficiary. She would tell me that this would be money I would use in case of an emergency. So, after she died I called the life insurance company, they sent me forms which I sent them back and little later I was sent a check. The amount of the check was not an exorbitant amount. It came out to alittle over $13,000.00

Because I am on Disability I was told by Social Security from the very beginning that if I came into any money I was to report it. So as a good citizen this is what I did but little did I suspect the bombshell they were going to drop on me. They told that because of the money they were going to suspend my monthly benefits and medical insurance. I was told that I was to spend the money on food, clothing, doctors appointments, medicines and household amenities only and that when my bank balance came to $2000 I was to go back to Social Security and maybe they would give me back my benefits and medical insurance.

When I offered to surrender the whole check over to Social Security they said it would only make my situation worse… worse I thought… what could be worse for a disabled person suffering with mental illness than to have their medical insurance taken away.

What frightens me even more is that I live in low income housing. Once they find out I have $13,000 in my bank account they will either raise my rent or tell me that I no longer qualify for low income housing. My biggest fear of ending up on the streets with mental illness seems to be closer and closer to becoming a reality.

And before anyone suggests it… I have already consulted different lawyers and they said that there is nothing that I can do to appeal the decision.

I don’t know why God is allowing this all to happen to me. I know suffering is redemptive and that we should offer it up but all of this is making my mental illness worse. No one can imagine just how scared I am right now… I wish someone could take me out of this suffering and help me. I am feeling very desperate now… I don’t understand why God would do this to a person who suffers with mental illness… 😦
 
Something that might help is having someone to talk to…
Contact your parish and see if they can put you in touch with someone who might be able to talk with you about this - maybe someone from SDVP. I’m sure that there are agencies who have dealt with folks in these kinds of situations before.
Another option would be to maybe have a talk with an attorney who specializes in disability cases. There may not be anything you can really do right now…but just being able to talk to folks who are familiar with how these things go can be a great consolation.

Peace
James
 
This is sad. Here, your mother was going out of her way to help you in her absence, and because of the way the laws are structures, hasn’t been able to.

I’ll pray for you.
 
Holy Michael the Archangel defend us in the day of battle.
Be our safeguard against the wickedness and snares of the devil.
May God rebuke him, we humbly pray,
and do Thou, O Prince of the Heavenly Host,
by the Power of God,
thrust down to hell, satan and all the wicked spirits,
who wander through the world for the ruin of souls.
Amen.

Remember, O most gracious Virgin Mary, that never was it known that anyone fled to your protection, implored your help, or sought your intercession and was left forsaken. Inspired by this confidence, I fly unto you, O Virgin of virgins, my Mother. To you I come, before you I stand, a sorrowful sinner. Despise not my words, O Mother of the Word, but in your mercy, hear and answer me.
Amen
 
Have you thought about setting up a trust?
Appoint a friend, or an accountant to be your trustee, and deposit the money into the trust. The trustee is bound by law to follow the outlines in the trust account (pay bills, rent, whatever) and in the IRS’ eyes (and SSI too) you don’t have the $$$.

It costs less than $100 to establish this legal “shelter.” A CPA can do this for you.

Hang in there, friend!!!
M
 
TempleofTheSoul said:
I have been on disability from Social Security for almost 5 years now due to the fact that I suffer with Schizo-Affective disorder… a mental illness which cripples me in every aspect of my life.

This year has been a horrible one and I don’t know how much more I can take. I have seen this year my mother die of cancer before my eyes as I cared for her in my home. This I did through the grace of God and inspite of my being disabled with the help of no one. Then a month after my mother died I almost died from a pulmonary embolism and spent 9 days in the hospital.

Before my mother died she constantly reminded me of the life insurance policy she had and that I was her beneficiary. She would tell me that this would be money I would use in case of an emergency. So, after she died I called the life insurance company, they sent me forms which I sent them back and little later I was sent a check. The amount of the check was not an exorbitant amount. It came out to alittle over $13,000.00

Because I am on Disability I was told by Social Security from the very beginning that if I came into any money I was to report it. So as a good citizen this is what I did but little did I suspect the bombshell they were going to drop on me. They told that because of the money they were going to suspend my monthly benefits and medical insurance. I was told that I was to spend the money on food, clothing, doctors appointments, medicines and household amenities only and that when my bank balance came to $2000 I was to go back to Social Security and maybe they would give me back my benefits and medical insurance.

When I offered to surrender the whole check over to Social Security they said it would only make my situation worse… worse I thought… what could be worse for a disabled person suffering with mental illness than to have their medical insurance taken away.

What frightens me even more is that I live in low income housing. Once they find out I have $13,000 in my bank account they will either raise my rent or tell me that I no longer qualify for low income housing. My biggest fear of ending up on the streets with mental illness seems to be closer and closer to becoming a reality.

And before anyone suggests it… I have already consulted different lawyers and they said that there is nothing that I can do to appeal the decision.

I don’t know why God is allowing this all to happen to me. I know suffering is redemptive and that we should offer it up but all of this is making my mental illness worse. No one can imagine just how scared I am right now… I wish someone could take me out of this suffering and help me. I am feeling very desperate now… I don’t understand why God would do this to a person who suffers with mental illness… 😦
Click to expand...
Keeping you in my prayers, Temple!

:gopray: :hug3:
 
Meesh_OR said:
Have you thought about setting up a trust?
Appoint a friend, or an accountant to be your trustee, and deposit the money into the trust. The trustee is bound by law to follow the outlines in the trust account (pay bills, rent, whatever) and in the IRS’ eyes (and SSI too) you don’t have the $$$.

It costs less than $100 to establish this legal “shelter.” A CPA can do this for you.
Click to expand...
The above is excellent advice.
I know a lady that is living in the same situation as you are. She was injured years ago and put her settlement money in a trust. She is still able to get assistance, keep her medical, food stamps and low cost housing since she is unable to work. She can only use her trust money in a great emergency ( which only her lawyer can approve ).

I’ll keep you in my prayers.
 
Hail Mary,
Full of Grace,
The Lord is with thee.
Blessed art thou among women,
and blessed is the fruit
of thy womb, Jesus.
Holy Mary,
Mother of God,
pray for us sinners now,
and at the hour of death.

Amen. :crossrc:
 
TempleofTheSoul said:
I don’t know why God is allowing this all to happen to me.
Click to expand...
I don’t know either, but we got to trust in Him, who is our hope. We can’t be sad, because that’s not going to make it better, and we can’t be afraid, because He said He’s going to take care of us. Even if we don’t see Him, even if bad things happen, we’ve got to believe that He’s going to take care of us…because He said: “I am the truth”! We must trust in Him, even if all falls apart. We must never give up on Him, no matter what.

Praying for you and praying for your loved ones, that they may intercede for you and for us to the Lord.
 
Hold on, Temple! I’m assuming you’re receiving SSI. Before you do anything, get another lawyer who deals exclusively with the Social Security Administration. See if s/he has any options for you. You may be able to set up a trust, but there are different kinds of trusts. Which trusts SSA counts as “resources” and which they do not consider “resources”, are things for the lawyer to figure out for you. There is a possibility that if you set up a trust, the SSA will probably call this a “transfer of resources”, which is a no-no.

Here is the homepage for SSI:

ssa.gov/ssi/text-understanding-ssi.htm

Here is a page on “trusts” (note that references are made therein to portions of the Social Security Act proper):

ssa.gov/ssi/spotlights/spot-trusts.htm

Here is a page for “transfers of resources”:

ssa.gov/ssi/spotlights/spot-transfer-resources.htm

You can see that this is government bureaucracy at its worst. I would really try to get a lawyer again. In the meantime, I will be praying hard for you.
 
Our Father, Who art in Heaven,
hallowed be Thy Name.
Thy Kingdom come.
Thy Will be done, on earth as it is in Heaven.
Give us this day our daily bread
and forgive us our trespasses,
as we forgive those who trespass against us.
And lead us not into temptation,
but deliver us from evil. Amen.

Hail Mary, full of grace, the Lord is with thee.
Blessed art thou amongst women and
Blessed is the Fruit of thy womb, Jesus.
Holy Mary, Mother of God, pray for us sinners,
now and at the hour of our death. Amen.

Glory be to the Father,
and to the Son,
and to the Holy Spirit,
as it was in the beginning,
is now, and ever shall be,
world without end. Amen.

Memorare to St. Joseph
Remember, O most pure spouse of Mary, and my dearly beloved guardian, St. Joseph, that never was it known that anyone who invoked your care and requested your help was left without consolation. Inspired with this confidence, I come to you, and with all the ardor of my spirit I commend myself to you. Do not reject my prayer, O Foster Father of the Savior, but graciously receive and answer it. Amen.
 
Hail Mary, full of grace, the Lord is with thee.

Blessed are you among women, and blessed is the fruit of your womb Jesus.

Holy Mary, Mother of God, pray for us sinners, now and at the hour of our death.

Amen.

†

Our Father who art in Heaven, hallowed be thy name.

Thy kingdom come, thy will be done on Earth as it is in Heaven.

Give us this day our daily bread.

And forgive us our trespasses, as we forgive those who trespass against us.

And lead us not into temptation, but deliver us from evil.

Amen.

†
 
Dear Friend are you able to ‘spend the money’ on a one off item that you need…such as a car or furniture etc or paying off any debts etc…then inform social security so you can get your benefits and health insurance re-instated?
Whatever happens you are in my thoughts and prayers.
God bless you

Eternal God , in whom mercy is endless,
and the treasury of compassion inexhastible ,
look kindly upon us and increase Your mercy in us ,
that in difficult moments we might not despair
nor become despondent , but with great confidence ,
submit ourselves to Your Holy Will ,
which is love and mercy itself . Amen

Memorare (Prayer to Our Lady)
Remember, O most gracious Virgin Mary, that never was it known that anyone who fled to your protection, implored your help, or sought your intercession, was left unaided.
Inspired by this confidence, I fly unto you, O Virgin of virgins, my Mother. To you do I come, before you I stand, sinful and sorrowful. O Mother of the Word Incarnate, despise not my petitions, but in your mercy, hear and answer me. Amen
 
Thanks to all of you for your responses. I would like to respond to each and every one of you individually but my head just won’t let me. I ask that the Lord bless each and every one of you for your prayers and advice.

As for setting up a trust… how would I approach the management that runs this housing and say…" look, I have no money in my bank account now because it is in a trust run by a family member of mine because I am not able to handle my expenses on my own." This situation is one I would not know how to maneuver to tell you the truth.

But I will contact a lawyer I know concerning this… He was very compassionate and understanding over my situation.

Thanks again for the help and prayers. You are all in my prayers as well and I ask the Lord to give you all great peace and abundance.

God bless
 
Our Father who art in Heaven,
Hallowed be thy Name,
Thy Kingdom come,
Thy will be done on Earth-
As it is in Heaven.
Give us each day our daily bread,
And forgive us our trespasses,
As we forgive those who trespass against us,
And lead us not into temptation,
But deliver us from evil. Amen
 
Immuculate Heart of Mary pray for us,now and at the hourof death. amen:signofcross::blessyou:
 
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