In a severe funk!

[jml1986]

Here is a brief overview of my situation. 2 yrs ago my husband was in an accident and severed his foot. They were able to reattach it for which we are totally greatful. Due to his injury he could not work and I had to go to part time so I could take care of him. In the mean time, I myself also had to under go 6 operations. So because of all of these incidents and only my part time income, we lost everything. Now my life is in constant stress because everyday brings with it the threat of another medical facility suing us for unpaid medical bills. We can't file bankruptcy because my husband was hurt on a job and the company did not have worker's comp, so we are having to sue him. Even more sad is the fact that I do care health insurance on myself and my husband, and the insurance is refusing to pay the bills and sebregating. The twist is I work for my insurance company and the people that were supposed to be making sure my insurance did pay just dropped the ball. Now we have no home, my husband is very limited in what he can do, and the company I work for will not move me back to full time. So my question is, how do I go back to a semi normal life when all I ever see is legal papers of people that are suing us and it could take years to get though our lawsuit against the company my husband worked for? I just can't see the light at the end of this tunnel! P.S. professional counseling is out because we couldn't even afford to pay our co-pay at this point, and even working parttime, they say I make too much to get free counceling.

[jml1986]

Thank you for your concern. No my husband is not on disability because he could not get it. We have applied and appealed until we can't do it anymore. My husband is working now because he has no choice. He is in constant pain and he should not have to suffer like this. Also we can not consolidate anything right now because we are in the middle of this lawsuit and anything we do could affect the outcome of the suit. So we are just stuck waiting while creditors continue to file suit after suit against us. Medicare is not an option either because I have company insurance. I only work parttime but it is enough to give us insurance. The down side to that is that the insurance cost me roughly a thousand dollars a month so I don't really bring home a pay check, but because my husband takes one medication that is over a thousand dollars a month, I have to keep the insurance for now. We have everything in place to file bankruptcy but that too has to remain on hold until we know the outcome of our lawsuit against the company my husband was working for when he was injured. We were slated to go to court the first of November but as usual it got postponed. So basically we are just stuck right in middle, just waiting to see what the outcome will be.

[jml1986]

Thank you for your kind words. I will never give up, I would just like to start feeling like a normal person again. I don't even mind the trials that are put in our way on this journey through life, I just want to see that there is an end to them at some point.

It sounds like you have had a rough couple of years yourself, so I hope things get better for you as well.

[Poo44clooner]

Sorry to hear about the terrible misfortunes in your life.  When it rains it pours, I guess.  You did not mention if your husband is on disability, because if he isn't then you might want to look into it, that would surely bring in some extra money and also Medicare and Medicaid for you and for the rest of your family.  It is a long process, it usually takes about less than a year and if you are denied you will have to hire an attorney, but there are attorneys out there that do pro bono work.
Also have you tried to consolidate all your bills with a credit counseling agency.  There are many of them out there, I know because I am a single mom and was on disability with mounting bills and things were looking really bad.  Find ones that do not charge you for their service.  You do it over the phone and you gather all of your bills and they talk to the companies on your behalf on payment terms and possibly reducing interest and in some cases the companies waive the interest.  Remember these businesses will do anything to get their money back and they are willing to work with you.  Just remember to research and find a credible agency to help you and they will reduce your monthly payments to an affordable monthly payment.
Social Security also has "EXTRA HELP" which you have to apply for and they do respond pretty quickly and depending on your income you can get all of your medications for free or at a very reduced and reasonable price.  I know I have tried it and it was a godsend. You can also apply to your state so that if your income is pretty low they will pay for the Medicare Part B insurance premium for you every month.  That is something that you might want to look into.
I can't think of anything else to help you but keep your chin up and try to take it one day at a time.
Angela

[RainLover71]

You know I never thought things like this could happen in our lives.2 years ago my life was turned upside down in one day and it took so long to recover,I'm still suffering to this day.I can't believe how quickly it can happen.One minute we are the happiest people in the world and the next we have hit rock bottom.I know you have heard this before but it's not over till it's over and never give up.Life will test us but we must rise above,if we give up where as good as done.Don't ever give up.

[jml1986]

Thank you so much! Unfortunately we are on our own. Not that we do not have family, but our parents are elderly, and our sibblings won't help. It is so hard not to become so bitter. I only hit on a few things in my original post because it didn't want to drag it all out, but here are a couple of more things that really kicked us in the butt. While my husband was still in ICU, DFS came in and tried to take our foster kids away because I had to be at the hospital, and then there was the tree that a that came crashing down into our bedroom and landed on our bed (thankfully I heard it coming and we jumped out of bed just in time for it to land in the middle of our bed. I ended up having to clean up that mess on my own, which by the way took 3 months for me to burn. Then there was the benefit that my daughter tried to have for us. As well known as we are in our town and as many family members there is on my side of the family, hardly no one showed up. Let's just say even with this added info, there is so much more that I haven't even touched on. My life is more like a fairy tale gone really, really wrong. Thank you again for your kind words.

[RainLover71]

OMG,you poor people,my heart goes out to you and your family and this is a really tough situation and so sad aswell.You people must be suffering a world of pain and sorry what happened to your husband,it seems like a snowball affect after this happened.Do you have other family members that can assist in some way or is it all up to you guys.What ever happened to insurance companies being more compassionate.What a sad world we live in.Hang in there and don't give up.I wish it gets better for you and wish your family all the best.