I’m 33 years old, bankrupt (chapter 7), my 49cc scooter is my only vehicle, I’m living w/ my parents, and I work a part-time minimum wage job 3 miles from home for money. I have mild cerebral palsy and epilepsy, just got approved yesterday for insurance at $230 per month, saw a doctor 3 days ago and got a neurology referal and some temporary meds (Dilantin and Flexiril). Neurologist appointment is Oct 5th.
I had some vacation time (unpaid) that I was taking next week and was going to look for a new (better paying) job. Now I can’t do that because I wouldn’t have a vehicle to take me back and forth. I opened a new checking and savings account a month ago and signed up for online banking (w/o bill pay) earlier this morning, but the medical lately left the balances low (reason why I got insurance). I thought that I was finally making some headway in my life.
Then, my scooters lights went out on me (nearly all of them), on my way home, an officer stopped me and told me that I cannot use the scooter anymore until I get the lights fixed. Cost of getting them fixed is $55 hr for labor + parts (possible 3 – 4 hour job trying to find the problem (according to the scooter shop I purchased it from). The other shop, a yamaha store, said labor is $110 per hour. I just cannot afford to get it fixed now that my medical insurance is being taken out this next payday (done through autopay). I’m flat broke, nothing left in savings or checking right now. I can’t ride a bicycle because my knees and ankles are screwed up due to the cerebral palsy. This was the last straw, it left me dead in the water. I have no more options left anymore.
I’m seriously at the end of my rope, I’m ready to quit my job, say to hell with the insurance, and the doctor, and the neurologist, and my scooter. I’m ready to drop out of society period and say F*CK IT ALL.
What do I do???
What can I do???
Any suggestions to get me out of this damn mess short of a bullet to the brain?
Seriously, at this point, suicide might not be such a horrible option anymore. I’m sick and tired of this god damned life. I literally have no reason left to live, everything I try to do to get back on my feet has failed me. I could rob a bank? Maybe I should shoot and kill someone? I might get the chair, but at least for the next 20+ years, I’ll have a roof over my head, free meals, free medical care, and no more work to deal with.
All joking aside, I need options, real options. WHAT CAN I DO TO GET BACK ON MY FEET?
Please HELP ME…
Gaijin, I did contact them, about two months ago, they have no offices in my city and refused to help me.
EC Passengers’Rights Campaign, July-2010. (Long version). ENAT is an official partner of the EC Passenger Rights Campaign. See: www.accessibletourism.org
(4.4.11) Police have found three more sets of human remains along a stretch of isolated beach on Long Island, bringing the total of victims found in the area to a staggering eight, officials announced Monday. “I’d like to report at this time we found human remains, three human remains so far, in the area between Oak Beach and Gilgo Beach,” said Suffolk County Police Commissioner Richard Dormer at an afternoon news conference. “Certainly the Medical Examiner is going to be looking at the possibility that Shannon Gilbert is one of the remains.” The remains were discovered during the latest search for bodies in an ongoing, chilling case where authorities suspect a serial killer may be involved in the dumping of several bodies along Ocean Parkway which leads to popular vacation destination Jones Beach. Before Monday’s discovery, five bodies were uncovered in the area — four in Gilgo Beach in December 2010 and one about a mile away in Oak Beach last week. Authorities announced plans to close sections of Ocean Parkway Monday from 7 am to 7 pm to allow investigators and cadaver dogs to canvas the area for more evidence. Drivers are being urged to find alternate routes as they will not be able to access all westbound lanes on Ocean Parkway from the Nassau-Suffolk County border at Captree Bridge to Tobay Beach. The search at Oak Beach began last week in an effort to find missing Jersey City woman Shannon Gilbert, who police say was working as a prostitute and was last seen in the …
Long term disability insurance can be vitally important to those people who want to protect themselves against the loss of future earnings. Disability insurance, in general, is used when a person is no longer able to work and to earn a living. The benefits received from disability insurance can help pay mortgage bills, living expenses, medical expenses, etc. In many ways, it can be the difference between maintaining a lifestyle and facing a lifetime of uncertainty.
There are two types of long term disability insurance. There are those policies that are considered “group” policies. These are usually bought through the workplace or through participation in certain organizations. The other type is “private”. Private long term disability insurance is purchased by the individual and is usually more expensive than policies purchased through group policies.
There are also those group policies that allow participants to add more coverage to an individual policy as long as the person is willing to make the added payment himself. For those who have group coverage this can be a good way to get added protection at discounted prices.
In the area of private long term disability insurance the first thing to understand is that this type of insurance can be expensive. It is almost certainly going to be more expensive than life insurance. However, this type of protection is actually more valuable than life insurance in many ways. Its main value is that it allows you to maintain a close semblance of your lifestyle should you be forced out of work due to illness or injury.
There are some advantages to having private long term disability insurance as well.
The benefits that you receive if you become disabled will be tax-free, as long as you paid the insurance premiums with after-tax money. Another benefit to having private coverage is that the coverage is not bound to your job. In other words, if you change jobs your coverage does not end as would be the case with most group coverage policies.
If your occupation allows for exceptionally high earnings you may need to purchase a special type of private long term disability insurance that will lock in that level of earning should you become disabled. Most group policies use what is known as the “any-occupation” scheme which allows for the less expensive premiums, but also provides a lower amount of benefits. High earners need to take this into consideration when thinking of long term disability insurance.
There are some important things to look for in private disability insurance: You want a policy that is “non-cancellable”. This guarantees that premiums will not be changed as long as you pay them on time and in full. You also want to look for a policy that is to age 65.
You want to avoid policies that are termed as “accident only”. These polices will not pay if you become disabled through illness rather than injury, and some of the accident conditions can be hard to meet.
There are a number of riders that can be bought with most private long term disability insurance and you should go through those carefully as some of them can be very important. Most riders will cost a bit more to implement into the policy but they can be worthwhile should you ever need to use them.
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