When social welfare programs fail to work
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When social welfare programs fail to work

It’s that time again, I’m writing in response to A Chronic Voice’s monthly linkup.  March prompts: weighing, targeting, being, doing, staying This month, I was inspired by the struggles my partner Al and I have been having the past few months with three different programs designed to help our most needy populations: Medicaid, LiHEAP(Low-income Heat and…

Managing debt while Disabled: Student Loans and Hospital Bills
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Managing debt while Disabled: Student Loans and Hospital Bills

One of the many scary things about being disabled is the crushing debt that can occur and add stress to your life. Most disabled people end up relatively poor, sometimes below the poverty level, due to the combination of expenses and lack of income. We often find ourselves struggling to do more with less and…

Selecting your Medicare drug coverage online
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Selecting your Medicare drug coverage online

This week, I used Medicare.gov to select my Medicare part D(medication) plan for 2020. I decided that it might be useful for any of you who also need to make this selection to walk you through the website and the decision-making process I went through in selecting which plan made the most sense for me….

Heat and energy assistance from the government: LIHEAP
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Heat and energy assistance from the government: LIHEAP

Al and I are in the process now of getting our Low-Income Heat and Energy Assistance Plan(LIHEAP) renewed. Since we are getting it done right now, I figured it was a good time to talk about this program. What is LIHEAP? LIHEAP exists in some form in every state but is usually managed on the…

Making sure that you get the government support you need!
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Making sure that you get the government support you need!

I’ve written a lot about the government programs that could help you survive while managing your disability, and about how very broken the entire system is. Today, I want to dig into an additional issue that is also a side effect of the broken system: simply being left in limbo for prolonged periods with no…

How does Medicaid work and how do I get it?
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How does Medicaid work and how do I get it?

So Medicare and Medicaid are two terms that a lot of people seem to mix up on occasion. They are both important insurance programs, but they are run and managed through different levels of government. They also provide different types and degrees of coverage, and the process to get them is different, as is the…

How does Medicare work and how do I get it?
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How does Medicare work and how do I get it?

We are now approaching the beginning of the open enrollment period for Medicare. The enrollment period runs from October 15 to December 7. This is the time period where we can finalize our plans, adjust our coverage if necessary, and commit to the coverage, and type of coverage, that we will receive for the following year….

How can I work and not lose my Social Security Disability Insurance?
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How can I work and not lose my Social Security Disability Insurance?

SSA does actually have an entire program to help people with disabilities return to work.  It is called Ticket to Work.  Whether you are on SSI or SSDI you can request a Ticket to help yourself learn new skills, find work, or rethink your career goals. It’s a voluntary program that will help you with…

Medicare (dis)Advantage
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Medicare (dis)Advantage

Medicare Advantage is an alternative to original Medicare.  The name is disturbingly misleading.   Medicare Advantage is also referred to as Medicare part C, and all the offical material talks about how it offers additional coverage to Medicare, and is used as a stubstitute for Medicare parts B(medical care) and Medicare part D(medication).   For the most…