I grew up in a middle class family and lived a middle class lifestyle after I left my parents’ home. I earned a decent enough living. There was a lot I couldn’t afford, but I never worried about paying rent or buying food.
Then I got sicker.
It’s been a roller coaster since I left my job almost 3 years ago. I had short term disability benefits, then nothing, then long term disability benefits, then nothing, then social security disability benefits. During the long periods of “nothing” I knew there was the possibility of getting long term disability benefits and/or social security disability benefits (SSDI.) I didn’t know what I’d end up with, so I didn’t know how to plan. And besides, I kept hoping that I’d return to work soon.
Now I have SSDI and no thoughts of returning to full time work very soon. I hope to do some part time work to supplement SSDI, but even that has to wait until I feel a bit healthier. And I just can’t live on my current benefit and keep my current lifestyle. After paying for food, transportation, utilities, and, especially, medical expenses, I have about $100 per month left for rent. Obviously, that won’t work. Even if I got roommates. So what are my options?
- I could move in with my parents. They’d take me in. I’d have to move an hour away from all of my friends and doctors and be a 30-something living with my parents, but it’s an option.
- I could buy a condo. I still have savings from back when I worked. Unfortunately, I’m spending them on rent now. Instead, I could buy a condo. But then I’d have HOA fees ($200-300/month) and upkeep, and I don’t have the budget for that.
- I could buy a house. But then I’d have a mortgage and upkeep. No good.
- I could buy a 3-family house. I could live in one apartment and rent out the other two and use the rental income to pay the mortgage and upkeep costs. This has some appeal. I’ve looked into it. But 3-family homes are really expensive around here, and even if I felt comfortable taking on such a big mortgage, I wouldn’t qualify for it. And I’m not ready to move out of the Boston area.
- I could push myself to go back to work before I’m ready. But obviously that has disaster written all over it.
- I could just keep on spending my savings and hope I’m well enough to return to work before they run out.
I’ve been sort of stressing about this. I feel like there should be another option. And then talking to a fellow disabled friend yesterday, I found it: financial assistance! When I left my job two years ago I looked into my options for help, but I was stuck trying to interpret things online myself. I didn’t know who to ask for help. I checked around with friends, but it wasn’t helpful. And since I didn’t know what my financial position would be going forward, I gave up. Bad move.
On Tuesday, as soon as the long weekend is over, I’m going to visit my local house authority and sign up for section 8 housing. The waiting list is long, and I’m pissed as hell that I didn’t sign up 2 years ago. I could have already been on the waiting list for 2 years! Since the wait is longer than that, I should have done it. But I didn’t realize. I thought that if I got long term disability benefits, I’d get kicked off the list. And I didn’t want to have to live in section 8 housing. As it turns out, those LTD benefits would have still had be below the income limit. Who knew? And many section 8 vouchers allow you to live in any housing, as long as it meets certain requirements (generally that it’s around the median rental rate for your area, and not some huge luxury unit, and that it’s well maintained and habitable.)
And then my friend told me more: I qualify for fuel assistance! Having heat isn’t optional in Boston. Without it, pipes freeze and burst. Even more, you can freeze to death. You must have heat. And apparently I can get help paying for it, even though it’s included in the cost of my rent! She also said she gets help paying her electric bill – that had never occurred to me! Best of all, she told me where to go to find out more about these resources.
Since it was a Friday evening, I couldn’t call any of the offices, so I went online. Now that I knew where to look and what to look for, there was so much information! She got the information from her local housing authority, so I found their web site, then the site for my town’s housing authority, and I just followed the links from there. I still need to talk to someone to get questions answered, but boy do I feel better. If only I’d done all of this two years ago, though! I’m kicking myself that I didn’t.
I’m including below some of the useful links I’ve found so far. Clicking these links will open up new windows. As I find more, I’ll add them later. These are for Massachusetts. If you’re in the U.S., maybe these will help you find similar resources in your own state.
I’ve already missed out on thousands of dollars of financial assistance by not signing up for all of this two years earlier. What about you? If there’s financial assistance you could be getting, don’t make my mistake! Sign up now! And please help me make further mistakes by telling me what else I should be doing!
What other financial assistance should I be looking for? I welcome any and all advice!!
Section 8 centralized waiting list: https://secure.massnahro.org/Section8LHA_Internet/WebPages/Registration/Home.aspx
Types of rental assistance: http://www.mass.gov/hed/housing/rental-assistance/
Fuel assistance agencies: http://www.mass.gov/eohhs/docs/dta/c-dta-fuelassist.pdf
Fuel assistance overview: http://www.massresources.org/liheap.html
Section 8 explanation: http://www.masslegalhelp.org/housing/types-vouchers