Preparing for disability

Preparing For Disability

I never put much thought into preparing for disability.  Sure, I put thought into preparing for retirement, but preparing for disability?  Nope.  Since I have become one of those that need to prepare for disability I have spent some regretful moments in my own thoughts.  “How could I have not thought about this?”  “Am I the only one that never thought of this?”  Again, nope.  I have found that I’m not the only one.  ( I guess right here would be a great spot for an insurance agent that sells disability insurance to place an ad!)

On a side note here, when I say preparing for disability, I am not talking about how to prepare to get disability.  Although, that will also be something I will more than likely need to do.  Medical records, filling out forms, attorney help etc.

 

Looking At The Numbers

It is a given that once approved for disability you will only be receiving a fraction of your current income.  So how the heck are you supposed to live on that?  For me, it would be impossible at the moment.  I am a 58-year-old single mom of 3.  My 2 oldest kids are in their early 30’s and my youngest just turned 18.  I am self-employed, paid on commission and unfortunately, I am without insurance. (Thank you ObamaCare).  I have made a pretty good income in my career.  However, in the past 10 years, I have had lots of out of pocket expenses for my medical care. I cared for my mom for a short period of time before she passed away from Cancer. Then spent 5 years caring for my dad with Alzheimer’s before he passed.  Not to mention a couple of divorces…

For the past 2 years, I have been thinking seriously about how to survive on disability as my physical body had started to spiral downward with my Rheumatoid Arthritis.  Have you ever had someone say to you, “Why don’t you just go on disability?”  Yep, well, I don’t think it quite works like that.

Fellow RA Warriors

I reached out to some of my fellow RA Warriors and asked if any of them had the same thoughts I did.  Which were, is it even realistic to even consider being able to go on disability and live?  If so, how did you cope with it?  How did you do it?

Many of them said, “I didn’t have a choice.”  “I lost my home, my car and was homeless for a time.”  Some said, “I rely on my kids.” A few said, “I downsized.  I sold everything and live meagerly.”  Unanimously it was agreed that it was and is difficult.

preparing for disability

Preparing For Disability Now

If I have learned anything from my fellow RA Warriors, it is not to wait until you have no choice.  I found an article from Sapling.com that gave some insights for living on a disability allowance.  Downsizing seems to be a key element to get started on how to avoid losing a home, car and relying on your kids.  Although I would care for my mom and dad again without hesitation (if they were still here), I don’t want that for my kids.

We all know there is no cure for RA.  I am happy that I found some ways to relieve the symptoms of my rheumatoid arthritis naturally. I talk about some of these in my post 3 Best Tips For Combating Morning Hand Stiffness With RA and also The Best Healthy Foods For Rheumatoid Arthritis.

I am hopeful that I won’t have to live on a disability allowance but in the meantime, preparing now seems to be the smart way to go.  How have you prepared to live on disability?

 

 

 

 

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