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Single and not working

catboogie

New member
great question, sue! people have given some helpful advice, but i don't think anyone has really answered your question.

this is something i think about a lot, too. i am single, although do have a long-term boyfriend. right now, it is not adventagous for us to marry (not that we are in a hurry, you see) because my CF expenses are 100% covered by the state of north carolina. down the road, if we were to get married, i could be on his insurance, but as you said, i'm sure there would be fairly significant extra costs of co-pays. (i would also have insurance for other medical expenses besides CF, which would be nice.)

however, i am independent-minded, and i hate the idea of being dependent on someone. right now i still receive some help from my parents each month. if something happens with my bf and my health goes down hill, i guess i would be "stuck" living with a relative. god, that's depressing to think about!

ideally, i might have started working full time out of college to build up some assets (right now i have none.) but i have taken the poor road, living paycheck to paycheck, that has allowed me to preserve a lot of my health i may have lost working full time.

i think, like someone said, you might do better with a job you're not around germy kids all day. perhaps you could be a tutor or teach special ed? i have also worked as a nanny, and it seemed to me that if the kids were below school-age, their risk of getting sick was lower.

in short, the answer to your question is, you do whatever you can -- take advantage of what resources are available to you (state programs, parents, relatives, friends, boyfriends...). i think the key is to not feel like you are a burden; most loved ones understand and are happy to help. <img src="i/expressions/face-icon-small-smile.gif" border="0">

good luck!
 

catboogie

New member
great question, sue! people have given some helpful advice, but i don't think anyone has really answered your question.

this is something i think about a lot, too. i am single, although do have a long-term boyfriend. right now, it is not adventagous for us to marry (not that we are in a hurry, you see) because my CF expenses are 100% covered by the state of north carolina. down the road, if we were to get married, i could be on his insurance, but as you said, i'm sure there would be fairly significant extra costs of co-pays. (i would also have insurance for other medical expenses besides CF, which would be nice.)

however, i am independent-minded, and i hate the idea of being dependent on someone. right now i still receive some help from my parents each month. if something happens with my bf and my health goes down hill, i guess i would be "stuck" living with a relative. god, that's depressing to think about!

ideally, i might have started working full time out of college to build up some assets (right now i have none.) but i have taken the poor road, living paycheck to paycheck, that has allowed me to preserve a lot of my health i may have lost working full time.

i think, like someone said, you might do better with a job you're not around germy kids all day. perhaps you could be a tutor or teach special ed? i have also worked as a nanny, and it seemed to me that if the kids were below school-age, their risk of getting sick was lower.

in short, the answer to your question is, you do whatever you can -- take advantage of what resources are available to you (state programs, parents, relatives, friends, boyfriends...). i think the key is to not feel like you are a burden; most loved ones understand and are happy to help. <img src="i/expressions/face-icon-small-smile.gif" border="0">

good luck!
 

catboogie

New member
great question, sue! people have given some helpful advice, but i don't think anyone has really answered your question.

this is something i think about a lot, too. i am single, although do have a long-term boyfriend. right now, it is not adventagous for us to marry (not that we are in a hurry, you see) because my CF expenses are 100% covered by the state of north carolina. down the road, if we were to get married, i could be on his insurance, but as you said, i'm sure there would be fairly significant extra costs of co-pays. (i would also have insurance for other medical expenses besides CF, which would be nice.)

however, i am independent-minded, and i hate the idea of being dependent on someone. right now i still receive some help from my parents each month. if something happens with my bf and my health goes down hill, i guess i would be "stuck" living with a relative. god, that's depressing to think about!

ideally, i might have started working full time out of college to build up some assets (right now i have none.) but i have taken the poor road, living paycheck to paycheck, that has allowed me to preserve a lot of my health i may have lost working full time.

i think, like someone said, you might do better with a job you're not around germy kids all day. perhaps you could be a tutor or teach special ed? i have also worked as a nanny, and it seemed to me that if the kids were below school-age, their risk of getting sick was lower.

in short, the answer to your question is, you do whatever you can -- take advantage of what resources are available to you (state programs, parents, relatives, friends, boyfriends...). i think the key is to not feel like you are a burden; most loved ones understand and are happy to help. <img src="i/expressions/face-icon-small-smile.gif" border="0">

good luck!
 

catboogie

New member
great question, sue! people have given some helpful advice, but i don't think anyone has really answered your question.

this is something i think about a lot, too. i am single, although do have a long-term boyfriend. right now, it is not adventagous for us to marry (not that we are in a hurry, you see) because my CF expenses are 100% covered by the state of north carolina. down the road, if we were to get married, i could be on his insurance, but as you said, i'm sure there would be fairly significant extra costs of co-pays. (i would also have insurance for other medical expenses besides CF, which would be nice.)

however, i am independent-minded, and i hate the idea of being dependent on someone. right now i still receive some help from my parents each month. if something happens with my bf and my health goes down hill, i guess i would be "stuck" living with a relative. god, that's depressing to think about!

ideally, i might have started working full time out of college to build up some assets (right now i have none.) but i have taken the poor road, living paycheck to paycheck, that has allowed me to preserve a lot of my health i may have lost working full time.

i think, like someone said, you might do better with a job you're not around germy kids all day. perhaps you could be a tutor or teach special ed? i have also worked as a nanny, and it seemed to me that if the kids were below school-age, their risk of getting sick was lower.

in short, the answer to your question is, you do whatever you can -- take advantage of what resources are available to you (state programs, parents, relatives, friends, boyfriends...). i think the key is to not feel like you are a burden; most loved ones understand and are happy to help. <img src="i/expressions/face-icon-small-smile.gif" border="0">

good luck!
 

catboogie

New member
great question, sue! people have given some helpful advice, but i don't think anyone has really answered your question.

this is something i think about a lot, too. i am single, although do have a long-term boyfriend. right now, it is not adventagous for us to marry (not that we are in a hurry, you see) because my CF expenses are 100% covered by the state of north carolina. down the road, if we were to get married, i could be on his insurance, but as you said, i'm sure there would be fairly significant extra costs of co-pays. (i would also have insurance for other medical expenses besides CF, which would be nice.)

however, i am independent-minded, and i hate the idea of being dependent on someone. right now i still receive some help from my parents each month. if something happens with my bf and my health goes down hill, i guess i would be "stuck" living with a relative. god, that's depressing to think about!

ideally, i might have started working full time out of college to build up some assets (right now i have none.) but i have taken the poor road, living paycheck to paycheck, that has allowed me to preserve a lot of my health i may have lost working full time.

i think, like someone said, you might do better with a job you're not around germy kids all day. perhaps you could be a tutor or teach special ed? i have also worked as a nanny, and it seemed to me that if the kids were below school-age, their risk of getting sick was lower.

in short, the answer to your question is, you do whatever you can -- take advantage of what resources are available to you (state programs, parents, relatives, friends, boyfriends...). i think the key is to not feel like you are a burden; most loved ones understand and are happy to help. <img src="i/expressions/face-icon-small-smile.gif" border="0">

good luck!
 

JennifersHope

New member
This is such a great topic.. One that always weighs heavy on my mind, especially now that I own a home, it isn't as easy to move back home.. Not that I want to, or ever will.

I have been discussing this over this past weekend actually, trying to plan for my future is impossible...

I did get great advice, and luckily for me, when my mother dies, I will have enough money to live off of, but I am not for sure I am going to outlive my mother for one, and for two, what the heck do I do in the meantime...

Right now in my life, I am okay because I went back to school and I have a degree in nursing that allows me to be very flexible, so when the time comes, I can cut hours back etc.....

When I can't work anymore... Hopefully my house will be paid off and I will be able to live off the SSDI, if I can't... who knows what will happen...

I often wonder what would happen when I can't work anymore because from what I understand, it takes 24 months to get on medicaid...what would I do in the meantime?

Sue, I totally understand your questions, I don't know how anyone can do it when we get really bad and still be single... I guess I will find out....

RIght now, I am not even saving money in my 401k because I wouldn't be able to get that till I am 60, and in the off chance I did live that long, I would be collecting money from my inheritence by then...

Hope someone has a better answer then me

Jennifer
 

JennifersHope

New member
This is such a great topic.. One that always weighs heavy on my mind, especially now that I own a home, it isn't as easy to move back home.. Not that I want to, or ever will.

I have been discussing this over this past weekend actually, trying to plan for my future is impossible...

I did get great advice, and luckily for me, when my mother dies, I will have enough money to live off of, but I am not for sure I am going to outlive my mother for one, and for two, what the heck do I do in the meantime...

Right now in my life, I am okay because I went back to school and I have a degree in nursing that allows me to be very flexible, so when the time comes, I can cut hours back etc.....

When I can't work anymore... Hopefully my house will be paid off and I will be able to live off the SSDI, if I can't... who knows what will happen...

I often wonder what would happen when I can't work anymore because from what I understand, it takes 24 months to get on medicaid...what would I do in the meantime?

Sue, I totally understand your questions, I don't know how anyone can do it when we get really bad and still be single... I guess I will find out....

RIght now, I am not even saving money in my 401k because I wouldn't be able to get that till I am 60, and in the off chance I did live that long, I would be collecting money from my inheritence by then...

Hope someone has a better answer then me

Jennifer
 

JennifersHope

New member
This is such a great topic.. One that always weighs heavy on my mind, especially now that I own a home, it isn't as easy to move back home.. Not that I want to, or ever will.

I have been discussing this over this past weekend actually, trying to plan for my future is impossible...

I did get great advice, and luckily for me, when my mother dies, I will have enough money to live off of, but I am not for sure I am going to outlive my mother for one, and for two, what the heck do I do in the meantime...

Right now in my life, I am okay because I went back to school and I have a degree in nursing that allows me to be very flexible, so when the time comes, I can cut hours back etc.....

When I can't work anymore... Hopefully my house will be paid off and I will be able to live off the SSDI, if I can't... who knows what will happen...

I often wonder what would happen when I can't work anymore because from what I understand, it takes 24 months to get on medicaid...what would I do in the meantime?

Sue, I totally understand your questions, I don't know how anyone can do it when we get really bad and still be single... I guess I will find out....

RIght now, I am not even saving money in my 401k because I wouldn't be able to get that till I am 60, and in the off chance I did live that long, I would be collecting money from my inheritence by then...

Hope someone has a better answer then me

Jennifer
 

JennifersHope

New member
This is such a great topic.. One that always weighs heavy on my mind, especially now that I own a home, it isn't as easy to move back home.. Not that I want to, or ever will.

I have been discussing this over this past weekend actually, trying to plan for my future is impossible...

I did get great advice, and luckily for me, when my mother dies, I will have enough money to live off of, but I am not for sure I am going to outlive my mother for one, and for two, what the heck do I do in the meantime...

Right now in my life, I am okay because I went back to school and I have a degree in nursing that allows me to be very flexible, so when the time comes, I can cut hours back etc.....

When I can't work anymore... Hopefully my house will be paid off and I will be able to live off the SSDI, if I can't... who knows what will happen...

I often wonder what would happen when I can't work anymore because from what I understand, it takes 24 months to get on medicaid...what would I do in the meantime?

Sue, I totally understand your questions, I don't know how anyone can do it when we get really bad and still be single... I guess I will find out....

RIght now, I am not even saving money in my 401k because I wouldn't be able to get that till I am 60, and in the off chance I did live that long, I would be collecting money from my inheritence by then...

Hope someone has a better answer then me

Jennifer
 

JennifersHope

New member
This is such a great topic.. One that always weighs heavy on my mind, especially now that I own a home, it isn't as easy to move back home.. Not that I want to, or ever will.

I have been discussing this over this past weekend actually, trying to plan for my future is impossible...

I did get great advice, and luckily for me, when my mother dies, I will have enough money to live off of, but I am not for sure I am going to outlive my mother for one, and for two, what the heck do I do in the meantime...

Right now in my life, I am okay because I went back to school and I have a degree in nursing that allows me to be very flexible, so when the time comes, I can cut hours back etc.....

When I can't work anymore... Hopefully my house will be paid off and I will be able to live off the SSDI, if I can't... who knows what will happen...

I often wonder what would happen when I can't work anymore because from what I understand, it takes 24 months to get on medicaid...what would I do in the meantime?

Sue, I totally understand your questions, I don't know how anyone can do it when we get really bad and still be single... I guess I will find out....

RIght now, I am not even saving money in my 401k because I wouldn't be able to get that till I am 60, and in the off chance I did live that long, I would be collecting money from my inheritence by then...

Hope someone has a better answer then me

Jennifer
 

Wheezie

New member
Once you've been approved for SSI, it takes 24 months for medicare to kick in - that is the federally funded insurance. However, if SSI is your only source of income, you will qualify for medicaid right away. Medicaid is your state's insurance for low-income individuals. Depending on what state you live in, there may be additional programs beyond that - either way, health insurance should not be an issue if you are unable to work and are on full disability.

You are correct that the income you receive on disability is not much and hardly enough to live on. There are programs that allow you to work a little bit while on disability, and that is a way to earn extra income - but it's tricky. You have to be careful not to earn too much, or they'll begin deducting from your disability payments. My best suggestion for making ends meet is to get a roommate - unless you have relatives you can rent a room from and are comfortable doing that.

I was on disability while going to college...I returned to work after I graduated and am now preparing to go back on. If you have any questions or want to talk, feel free to PM me. There is a way to do it and remain somewhat independent! <img src="i/expressions/face-icon-small-smile.gif" border="0">
 

Wheezie

New member
Once you've been approved for SSI, it takes 24 months for medicare to kick in - that is the federally funded insurance. However, if SSI is your only source of income, you will qualify for medicaid right away. Medicaid is your state's insurance for low-income individuals. Depending on what state you live in, there may be additional programs beyond that - either way, health insurance should not be an issue if you are unable to work and are on full disability.

You are correct that the income you receive on disability is not much and hardly enough to live on. There are programs that allow you to work a little bit while on disability, and that is a way to earn extra income - but it's tricky. You have to be careful not to earn too much, or they'll begin deducting from your disability payments. My best suggestion for making ends meet is to get a roommate - unless you have relatives you can rent a room from and are comfortable doing that.

I was on disability while going to college...I returned to work after I graduated and am now preparing to go back on. If you have any questions or want to talk, feel free to PM me. There is a way to do it and remain somewhat independent! <img src="i/expressions/face-icon-small-smile.gif" border="0">
 

Wheezie

New member
Once you've been approved for SSI, it takes 24 months for medicare to kick in - that is the federally funded insurance. However, if SSI is your only source of income, you will qualify for medicaid right away. Medicaid is your state's insurance for low-income individuals. Depending on what state you live in, there may be additional programs beyond that - either way, health insurance should not be an issue if you are unable to work and are on full disability.

You are correct that the income you receive on disability is not much and hardly enough to live on. There are programs that allow you to work a little bit while on disability, and that is a way to earn extra income - but it's tricky. You have to be careful not to earn too much, or they'll begin deducting from your disability payments. My best suggestion for making ends meet is to get a roommate - unless you have relatives you can rent a room from and are comfortable doing that.

I was on disability while going to college...I returned to work after I graduated and am now preparing to go back on. If you have any questions or want to talk, feel free to PM me. There is a way to do it and remain somewhat independent! <img src="i/expressions/face-icon-small-smile.gif" border="0">
 

Wheezie

New member
Once you've been approved for SSI, it takes 24 months for medicare to kick in - that is the federally funded insurance. However, if SSI is your only source of income, you will qualify for medicaid right away. Medicaid is your state's insurance for low-income individuals. Depending on what state you live in, there may be additional programs beyond that - either way, health insurance should not be an issue if you are unable to work and are on full disability.

You are correct that the income you receive on disability is not much and hardly enough to live on. There are programs that allow you to work a little bit while on disability, and that is a way to earn extra income - but it's tricky. You have to be careful not to earn too much, or they'll begin deducting from your disability payments. My best suggestion for making ends meet is to get a roommate - unless you have relatives you can rent a room from and are comfortable doing that.

I was on disability while going to college...I returned to work after I graduated and am now preparing to go back on. If you have any questions or want to talk, feel free to PM me. There is a way to do it and remain somewhat independent! <img src="i/expressions/face-icon-small-smile.gif" border="0">
 

Wheezie

New member
Once you've been approved for SSI, it takes 24 months for medicare to kick in - that is the federally funded insurance. However, if SSI is your only source of income, you will qualify for medicaid right away. Medicaid is your state's insurance for low-income individuals. Depending on what state you live in, there may be additional programs beyond that - either way, health insurance should not be an issue if you are unable to work and are on full disability.

You are correct that the income you receive on disability is not much and hardly enough to live on. There are programs that allow you to work a little bit while on disability, and that is a way to earn extra income - but it's tricky. You have to be careful not to earn too much, or they'll begin deducting from your disability payments. My best suggestion for making ends meet is to get a roommate - unless you have relatives you can rent a room from and are comfortable doing that.

I was on disability while going to college...I returned to work after I graduated and am now preparing to go back on. If you have any questions or want to talk, feel free to PM me. There is a way to do it and remain somewhat independent! <img src="i/expressions/face-icon-small-smile.gif" border="0">
 

bagged2drag

Active member
Social Security, even though not the biggest paycheck, should kick in favorably. You have to remember, you are not paying taxes on that money, so it frees some up. I was on for about 2 years, and got about 1100 a month, plus if you get social security, you probably qualify for medicare. It is a good idea to look into state programs too. There are many states which offer programs for chronic diseases, regardless of your income. As a whole, it is still a bit of a struggle, but not as bad as it seams. I don't know your situation, but the government offers various assistance programs (food stamps, etc), as does private enterprise (energy assistance) to help people out in need. One thing to remember is to use these programs. I didn't choose to use all of them when I was off work, I wish now I had swallowed my pride! Life would have been a lot easier at the time if I wasn't so bullheaded. What state are you located in? Maybe I can find out some resources for you.
 

bagged2drag

Active member
Social Security, even though not the biggest paycheck, should kick in favorably. You have to remember, you are not paying taxes on that money, so it frees some up. I was on for about 2 years, and got about 1100 a month, plus if you get social security, you probably qualify for medicare. It is a good idea to look into state programs too. There are many states which offer programs for chronic diseases, regardless of your income. As a whole, it is still a bit of a struggle, but not as bad as it seams. I don't know your situation, but the government offers various assistance programs (food stamps, etc), as does private enterprise (energy assistance) to help people out in need. One thing to remember is to use these programs. I didn't choose to use all of them when I was off work, I wish now I had swallowed my pride! Life would have been a lot easier at the time if I wasn't so bullheaded. What state are you located in? Maybe I can find out some resources for you.
 

bagged2drag

Active member
Social Security, even though not the biggest paycheck, should kick in favorably. You have to remember, you are not paying taxes on that money, so it frees some up. I was on for about 2 years, and got about 1100 a month, plus if you get social security, you probably qualify for medicare. It is a good idea to look into state programs too. There are many states which offer programs for chronic diseases, regardless of your income. As a whole, it is still a bit of a struggle, but not as bad as it seams. I don't know your situation, but the government offers various assistance programs (food stamps, etc), as does private enterprise (energy assistance) to help people out in need. One thing to remember is to use these programs. I didn't choose to use all of them when I was off work, I wish now I had swallowed my pride! Life would have been a lot easier at the time if I wasn't so bullheaded. What state are you located in? Maybe I can find out some resources for you.
 

bagged2drag

Active member
Social Security, even though not the biggest paycheck, should kick in favorably. You have to remember, you are not paying taxes on that money, so it frees some up. I was on for about 2 years, and got about 1100 a month, plus if you get social security, you probably qualify for medicare. It is a good idea to look into state programs too. There are many states which offer programs for chronic diseases, regardless of your income. As a whole, it is still a bit of a struggle, but not as bad as it seams. I don't know your situation, but the government offers various assistance programs (food stamps, etc), as does private enterprise (energy assistance) to help people out in need. One thing to remember is to use these programs. I didn't choose to use all of them when I was off work, I wish now I had swallowed my pride! Life would have been a lot easier at the time if I wasn't so bullheaded. What state are you located in? Maybe I can find out some resources for you.
 

bagged2drag

Active member
Social Security, even though not the biggest paycheck, should kick in favorably. You have to remember, you are not paying taxes on that money, so it frees some up. I was on for about 2 years, and got about 1100 a month, plus if you get social security, you probably qualify for medicare. It is a good idea to look into state programs too. There are many states which offer programs for chronic diseases, regardless of your income. As a whole, it is still a bit of a struggle, but not as bad as it seams. I don't know your situation, but the government offers various assistance programs (food stamps, etc), as does private enterprise (energy assistance) to help people out in need. One thing to remember is to use these programs. I didn't choose to use all of them when I was off work, I wish now I had swallowed my pride! Life would have been a lot easier at the time if I wasn't so bullheaded. What state are you located in? Maybe I can find out some resources for you.
 
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