Got my SSDI backpay! But my housing situation is a nightmare.
Tuesday, February 11, 2014
Well, a little more good news. Tip: if you sign up for EFT (direct deposit) right away when applying for SSDI, your payment will come pretty quickly. I called the SSDI office today to ask some questions, and it turns out that they deposited my back pay on the 6th! I didn't even think to be watching my bank account. So I got my year and a half of back pay (they don't pay you for the first 6 months, for those who don't know) and I found out my monthly checks will start next month and it's several hundred dollars more than I expected to get. Also, medicare will start in July.
I also talked with my county worker. My food support will drop considerably, but that's fine with me. I'll have a year to pay back the cash assistance I've gotten. Since I have a CADI waiver (which is totally based on being disabled, not on income), even though MA won't cover everything anymore (because of my income) CADI will still cover in-home services and that counts towards the monthly 'deductable' I'll now have with MA, so that should help with medical costs until medicare kicks in, which will change the dynamic of everything.
The bad news is they STILL haven't figured out my housing situation. I have 1 week until I'm supposed to be out and they don't know what to do! Today they told me they were thinking about putting me and my cat up in a hotel. STUPID! First, the cheapest hotels cost minimum $60 per night. Second, with a pet deposit and having a location that's safe, it'll be more expensive. Third, I can't live off fast food for 1-2 months because I have gastroparesis, which means I need a microwave, stove, and fridge so I can have at least 1 decent meal a day - which means I need an extended-stay hotel that will cost even more. Fourth, they would have to pay to keep everything I own in storage. Fifth, they would have to pay movers twice, not just once. This means that it could cost several thousand dollars to keep me there until they find a place for me to live. Yet the ridiculously stupid moron CADI worker refuses to look outside of the county for housing and absolutely is against having the county pay maybe $1000-1200 per month to rent my house from the bank until they have a place set up! Yet he talks up how freaky intelligent he is, bragged about mensa (if mensa recruited him then their standards must have fallen below 'average' or he was seriously scammed!), and shames me every chance he can. He should NOT be in this field of work.
How about more reasons why this hotel idea is ridiculous? Sixth, I keep at least 14 medications on hand at all times - some are OTC but others should not be left where a random housekeeper can get to them. This means I would have to carry all of those medications with me everywhere I went and risk being attacked/assaulted by someone who wants them. There aren't any that would typically be sold (I don't take narcotics), but no one would know that until they read the drug names and looked them up. Seventh, I faint/fall frequently so is having a hotel room really that safe? If I call 911 how long will it take for them to find me? The county won't be sending any workers in, so if I trip and fall and get another concussion, how long will I lay there before someone finds me? Eighth, let's be honest: hotel rooms are not clean. They are disgusting. The floors get a quick once-over or spot-cleaning so you should never walk barefoot on hotel room floors. The bedspreads and pillows are rarely cleaned thoroughly. The tv remotes, phones, and lightswitches are rarely cleaned (or cleaned well) and can be covered in fecal matter and bodily fluids. Ninth, has anyone ever had a hotel room shower that worked well? I have a hard enough time showering in my shower; putting me in a hotel room with a crappy shower just won't be safe/sanitary/sane. Tenth, what hotel would be willing to give up a handicapped room for a month or two when most hotels only have 1-3 handicapped rooms.
So, I'm going to go to my bank and see if there is any chance they would be willing to give me a mortgage with a cosigner to try to keep my house. It's a massive long shot, but I have to try. I also called 211 - United Way - and asked if they had some places to call that I could have a place to stay for a month or two while the idiots get their crap toether. They gave me a couple places, so I passed that info on to the CADI worker (I can only do so much of his job for him!). Heck, if I like another place better I might just stay there.
The most heartwrenching thing is if this decision and payment had come in just 1 month earlier I could've saved my house! I could've stayed here as long as needed while I find the right place to move to and then hire a company to rent this place out for me so I don't have to deal with it. Just 1 month separated me from having everything work out and living this nightmare. JUST 1 MONTH! I'm so disgusted and I blame the jerk of a lawyer who failed my case!
Also, getting this backpay doesn't make up for all the time I went without any income. It's a huge number, but I'm even further in debt and if you count how far behind I was in my mortgage, my debt is nearly twice as much as that payment. I really hope LTD comes through sometime this year to make a bigger dent in this mess.