Posted on 10/15/2013 2:30:30 AM PDT by jodyel
Wondering if anyone knows about home loan/mortgage programs geared to the disabled, and if anyone has ever gotten one based strictly on disability income.
Thanks for any/all info!
Try convincing RF Engineer of that. All SS is entitlement to him.
And for the record, I would like to add this tidbit of info. Between my dad, two brothers and now my wife, there are over one hundred working years that were paid into SS. My wife is the only one to receive benefits, the others died prematurely.
exactly
I agree it is being abused but that has little bearing on me. Don’t lump us all in. I worked very hard for many years and paid into a system that was set up long before I was even born. You’ll be receiving SS when you retire as will most people. At some point in a life, one will receive money from the govt. and I can at least take consolation that I paid into it and the money is now there when I need it.
My parents have the same attitude as most here about hard work and not taking help but they do not send their SS retirement checks back or turn them down. And if this was not such a hot button issue with illegals and welfare and we were about 30 years in the past, this would not even be talked about. But because it has been so abused, people like yourself and RFEngineer feel that you can comment on my life and how I live it and pay for it.
Each case is different and you simply cannot lump everyone in together. It is the same issue with character, not color. Not all blacks are the same, not all Asians are the same, not all Mexicans/Latinos are the same.
Thanks for sharing, snipe.
I have some of your same issues...PTSD from violent and abusive childhood and marriage....undiagnosed mental and physical health issues that finally caught up with me and led to a complete collapse. Everyone’s situation is different and I would still like to try to find something to do from home. Have been looking for awhile now.
Have an Australian friend that is a very good 3D artist and makes and sells his characters online...does pretty well for himself and now no longer needs to work at an outside job. But I’ve no such talent and am still wondering what it is I could do. Did copy editing and proofreading for awhile but there wasn’t much work or money in it. Then I had a business helping people with no healthcare or prescription drug coverage, like myself before disability, find medication they could afford. That was really nice but then in 2010 Google and the Feds cracked down and that came to a halt.
Have not found anything since. Most things take money to get started and I have no extra. I’ve thought about some sort of neighborhood errand or delivery service but my vehicle is not in good enough shape to be driving all the time, and truthfully, neither am I. Believe me, I have thought and thought and come up with nothing. So I have given it up in prayer to the Lord and asked Him to lead me.
Any ideas are welcome from all.
Living on my own money paid into a legal system started long before I was even born is not dependency.
And if I had any other choice, which you seem to think I do, I wouldn’t be taking disability.
You could be an obamacare navigator. You might learn some thing about the opposition and be able to speak the truth to people. Worst they could do is fire you..................
Might lead you to a job with a real insurance business if you tackle it right. But I would have to hold my nose to do this too.
What I think would be nice is if people like RF, instead of criticizing, might help come up with ideas and suggestions for those of us who need help helping ourselves. And if they are so adamant about no govt help, then put their noggins to use thinking of other ways we can survive. I know I have racked my brain and come up with nothing.
By trying to downsize to that small little house, I am working on being free from needing anyone else to help me except the SS disability money. And perhaps with time I can come up with something that will allow me to draw an income from home. One thing I have learned is that nothing happens overnight and I can only take one day at a time...no matter what anyone else may think of the way I do it.
I am getting quite an education, Kit cat, and discovering all you say is very true.
I believe finding the land will be the most difficult part and I have been looking for land already set up with septic and utilities as opposed to having all that done.
If I can qualify for a loan for home and land, then I will get serious about looking for the land. Right now I am in the preliminary stage of gathering information.
And I want to set it up like the pic as a permanent structure that I will most likely live in for the rest of my life. I do not want to leave it on wheels or blocks.
Undeveloped land in Texas is running about 8k to 10k and land already set up about 25k, so that’s the price range I am looking at.
Thanks for your info and post!
Same here...had SSI for a few months till SSDI started, and it is true welfare. You have to be destitute and have nothing to qualify for it though, or I guess have enough kids and no means to support them.
No payments to the doctors, or very little...no payment for prescriptions or very little. When my grandmother went into a nursing home, she had to declare no assets and no income in order for SSI Medicaid to pay for the nursing home care.
Wow, I am going to refrain from telling you exactly what I think of you...but jack*** sums it up nicely.
This poster cannot run a household or function well enough to do an outside job, or I darn sure would be. I can function well enough to try and downsize my living space so as not to have to depend on others for help and potentially get well enough later that I can work outside. And this functioning has only come in the last year or so and is still not good. I need help with household tasks and getting food, but since I don’t have any help I struggle doing them. I would be doing any employer a disservice were I to attempt to work for them now and they would be able to see that.
And what you said to snipe was a disgrace!
Wow, snipe, thought I was the only one who got in the car heading for places and destinations I knew well and just ended up driving and driving with no idea where I was going. That was the first sign I knew something was very, very wrong. My doctor at the time diagnosed major depression and put me on Zoloft. It wasn’t until I came home to Texas and saw another doctor that the anxiety component was put in and then I was given Effexor. I take the maximum daily dose of both medications and they just do keep me level...but miss any dose, and I sometimes do since there is not a generic of Effexor yet here (that I am aware of) and I must purchase overseas, and I am in big trouble.
An employer would be done no favor in hiring me.
I cannot take Xanax....for some reason it plays total havoc with my condition and only makes it worse.
Not sure I really understand you, Peter.
Are you mocking me or trying to help me?
I can't take any antidepressants whatsoever. They make what I have much worse and can make me have an adverse reaction that is similar to that of taking LSD. I had to fight several doctors on that issue. They insisted I use antidepressants and said Xanax was bad. LOL My wife has taken it 28 years and I have for over 18 and it still works. Her ex and her dad were abusers. Zoloft and Trazodone put her into Serotonin Syndrome. She was hallucinating for a week and doctors weren't figuring it out. I found the answer on line after some prayer.
The Xanax works as long as I can limit the sensory triggers enough to where my sensory system doesn't crash and start the seizures. That is what can bring on the where the heck am I what am I doing here attacks also. That much I've learned how to head off.
The brain much like a computer has a certain amount or capacity for processing at one time. That portion of my Central Nervous System is damaged and was from birth. I had some Occupational Therapy at about 12 years old that taught me how to adapt to it. By age 35 it reached a point of disability.
Wow, that’s some stuff ya got going on, snipe.
I wonder how much modern society has to do with these issues since there is an incredible amount of stress associated with living today. I had a nervous breakdown and reading up on it I found an article that said essentially a breakdown is fried adrenals. Living with violence my whole life and having a big-time stressful job with an airline, I had burned out my adrenals and was very low on cortisol. That is why I finally collapsed, or crashed and burned would be more appropriate to call it.
So now I am taking a low dose of cortisol but it will take years, if ever, to get my adrenals back to normal. And since they really have never been normal not sure it is possible at all.
I have very low energy....enough to sit and type so could do something like that for work. But anything more than that wears me out. I sleep a lot.
I have read recently that they are starting to use cortisol for Chronic Fatigue syndrome and other conditions like that. Makes sense since cortisol is the stress hormone and is what gives you physical energy and allows you to cope with life. It also handles metabolism and burning fat, carbs, and protein.
http://en.wikipedia.org/wiki/Cortisol
I must have been low my whole life because even before I went on disability, I had just enough energy to work and come home. I’d have to have a major caffeine or sugar fix to even start or get thru a day then I would crash and burn again at home. I survived but I never thrived. It was an awful way to live, and combined with mental illness it is no wonder I eventually collapsed. Was not a pleasant time to say the least.
I believe some of the more common disorders of today even in kids such as ADD ADHD are in fact other disorders with similar symptoms but vastly different in origin within the body. Tecnology advances have maxed out some persons capabilities. The physical ailments have always been there but not the bombardment of technology related stressers.
Take ADD ADHD. How common is it really? Likely not as much as a person might think. In an average grade school possibly two kids actually have it the others have much more common Auditory Processing Disorders caused by childhood allergies, chronic ear infections etc. These disorders can trigger ADD ADHD type symptoms and schools and in some states parents get money for ADD ADHD kids. Why is it all of the sudden common? Because our technology in our entertainment and communications has vastly changed in the past four decades. I grew up watching B&W TV as did many my age. We had no video games. ADD/ADHD cases were low. I was one of the few they thought had it because I had trouble concentrating. They tried Ritalin and it really did a number.
The last night I worked I got a trouble call to a residents apartment up in the assisted living unit. An elderly woman met me in the hallway. She normally was in a good mood and had all her mental abilities. This time she was in tears. I asked her what was wrong. She said the noise oh please make it stop. I said OK take me to the noise as I wasn't hearing anything abnormal. We walked over to her wall unit A/C and she said that noise please make it stop. She was in great distress. I turned it off and she was fine.
I went to the nurse and told her. She said yea she came home from the hospital today that way. I went back down to my shop for supper. I was leaning back in a chair fixing to eat and a person behind the door I was leaning up against yelled down the hall. I about went through the ceiling. As soon as that happened the "FOG" hit. That started the two day shut down. I was aware of what was going on but could not answer questions. I called a relief worker in and called my dad for a ride home. This was after I had been dealing with the other concentration issues for months. In about two days I was more functional. They gave me brain wave test, MRI, and CAT Scans all we negative.
So what did this have to do with the elderly resident? Everything. She likely came home with an Inner Ear infection. They can drive a person bonkers and every sound is much louder than normal. The doctors missed it but a GP would have caught it. I started connecting the dots as to what was going wrong after about three years.
Months and even a year leading up to this little things were getting worse. To stay in shape I used the stairs at work. It was a 5 story building. I found myself having to tell my body "Climb Stairs" otherwise i did not have the energy. But if a fire alarm had gone off no problem because the adrenalin would have taken over and the signal and energy gotten through from brain to body. I'd be trying to do paperwork and would not be able to sign my name. It would take me a minute or two of getting my concentration to kick in. That was in a work place enviroment.
In your case and somewhat in mine stress can make disorders you normally can live with and the brain deal with become disabling. It can speed up the process of the illness and it can overtax the brain. That is why many disabled persons though capable of taking care of themselves as far as being at home can not function employed. Functioning at home may be their limit.
Well, I was terminated at the airline because I could not function...I could never sleep and I have never been able to drag myself from bed till late afternoon...which meant I always worked a night shift.
They let me go because I was missing too much work...well, hello! So I prayed about it and that was when my answer came from the Lord to fight for the job but that the battle would be His and everyone would know it. Led me to a Christian attorney and two years later, almost to the day, I was reinstated. But just like Elijah after the Lord gave him victory over those nasty Baal prophets, I crumbled like a cookie and collapsed. It was the end of a very long, exhausting 40 years of my life and just like Elijah, He let me come home and heal.
So have spent the last 10 years or so finding out what is wrong with me and diagnosed with mental and physical illness. Worked at home for as long as I could but then eventually had to go on disability. My lease on the house I am currently renting will be up at the end of this year so that is why I am in somewhat of a hurry to see if I can get this smaller one and get out from under the burden of this one. So we will see what we will see. If it is meant to be, it will and if not I’ll stay here another year. I won’t be homeless at least.
So you got that inner ear infection from that elderly woman then, didn’t you? And that is what set off your health issues? Amazing!
My issues, especially the mental health issues, have a long family history. I can’t help thinking that my great-grandmother and my grandfather would have had a much better quality of life if Zoloft and Effexor had been around for them. Breaks my heart they suffered all their lives with no relief from this. As bad as it is though, there is always someone else worse off so I still count my blessings.
Close. I have Vestibular Disorders and an Inner Ear infection is a vestibualr Disorder also. Vestibular is Inner Ear and Inner Ear processing related. When I was real young around 4-5 I had inappropriate sensory responses. If something I saw scared me I stopped up my ears.
They also found out when I was about 7 than both of my eyes could not ever function at the same time. I'm one eye functional but I can pass a basic sight chart eye exam. I have eye and muscle coordination issues and that's why I had two years Occupational Therapy. It bought me some time in the armed forces and in the work force afterward I likely would not have had. IOW I could never pass a cops field sobriety test of walk a straight line etc. LOL
I also have had life long severe sinus allergies severe enough to require allergy shots. My mom and dad when I was growing up could not figure out why I could wear out any pair of shoes they bought me in a matter of a couple of weeks as I broke the sides over. That's because I'm club footed and because of my Inner ear issues I also walk off balance and my feet compensate by my ankles turning inward. As an adult I had to eventually go to wearing corrective insoles so I could walk. The corective insoles stopped the wearing out of shoes as long as I wear working boots that support my ankles.
How I finally connected it all was by a book I found in a second hand book store called Phobia Free by Harold Levinsion MD. The man is a researcher neurologist/psychiatrist and began connecting his patients anxiety disorders, learning disorders, and Dyslexic symptoms, to Vestibular Disorders being the underlying physical cause. Not in all cases but a significant portion.
I was two years into treatment for G.A.D. and PTSD when I found the book. It is also a forerunner to the Central Auditory Processing Disorders I was posting about. Levinsons theory on ADD ADHD was Cerebellar/Vestibular related rather than chemical.
The Mental Health profession dismissed his findings. In the past decade or so Vestibular Researchers have actually validated or confirmed a lot of his findings and theories. Adults with a childhood history of Chronic Ear Infections, Sinus Allergies, etc are more prone to this.
It has to do with the inter workings or communications with the Cerebellar/Vestibular System. That is why when they gave me antidepressants they made my condition worse because sensory impulses were enhanced and the Xanax works because sensory is toned down. When I understood this I put my foot down with the doctors about my treatment.
I can go into a Walmart and I can see persons who have a touch of it. They'll be the ones whom when the workers start making blaring announcements every minute they become more and more anxious or agitated. Several things are happening. They are trying to locate what they came to buy and remember what all they came there for. Each announcement disrupts that process.
I can spot kids with this playing baseball. Watch for consistent late swings or the kid ducking away rather than swinging at the ball. No amount of coaching can correct it as the brain is in preservation mode. If you don't respond in a manner the brain sees as addressing the danger then the phobic {non phobic actually} reactions begin. I'm terrified of high places. Why? Because my brain knows I have poor balance and high places are a risk for me. The older I got the worse the fear got. Also the more poor my balance became. That is why he named the book Phobia Free. The responses as such are not true phobic but rather danger impulses triggered by the brain recognizing dangers.
I developed Meneries Disease about three years into disability and Tinnitus at multiple frequencies has been ongoing for a couple of decades.
Here is a good description of it. This was not know when it hit me. http://www.oocities.org/gotmenieres/cognitive_aspects_of_vestibular_.htm
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