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What do I do?!?! - Page 2

post #21 of 32

If you spend down your savings by paying ahead on your mortgage for however many months then that will take care of the asset part of applying for assistance.  Plus you'd have documentation to show where the money went. In the meantime can you visit a food pantry?  And if you get turned down for assistance while on severance pay you can always reapply when it ends.  WIC has a more generous income limit, maybe you can at least get that?  You can also look up the income limits for fuel/electric assistance to see if you'd qualify for that at some point. 

post #22 of 32

It's very important you look up and really try to understand when and how to file for unemployment. Don't assume anything. Look it up on the official government website. The experiences of others are helpful and supportive but they may not apply to you. 

 

I can't stress enough that so many things are time dependent ... meaning if you miss the window or time frame (usually 30, 60 or 90 days) to apply for something, no one is going to give you a break about it. You will just loose out. It's always wise to be informed too early than too late.

For example, when I got laid off several years ago, I HAD to file for unemployment within 60 days of my last actual day of work regardless of my severance or I would have not been able to get UE benefits at all. It might be different now but that was the rule back then. Rules change and vary so my whole long winded point is to find out asap. Being part time does not automatically exclude you. You usually just need to meet a certain amount of hours in the last however many months.  

 

I agree with a previous poster that actively searching does not mean pounding the pavement every day and unless you get a job offer that will work for you and you flat out turn it down you are still eligible to receive your unemployment. This is not scamming the system. Well, imo anyway. It's just having a security net to be able to find a job that works for you. If everyone had to take the first job available in their area regardless of whether or not it works for them we would all be in huge trouble! What's available immediately, what you are qualified for and what will pay enough to feed your family and cover your bills are almost always not the same. It takes most people some time. You shouldn't feel bad about that. Please look up if you are qualified for unemployment before draining your savings and such. 

 

Also, I understand you have some emotional health issues that are making it hard for you to work. Is there any way you would qualify for disability? If not, it sounds like you aren't able to make it without working so I'd start thinking about what you really want to do. As a sahm, the very first thing to look at is babysitting. It's not always easy but it brings in money instantly. Look up what people are charging on craigslist and similar sites and then plan to charge a little under that. Unless you are in a very rural area, I'm sure you will find someone. 

 

I think someone else brought this up but does your dh's company have a medical plan at all? Losing your job and insurance means you can file for instant coverage under his for the family but sometimes you do have to do it within a certain amount of time so if that's a possibility you should look into it right away. 

 

Good luck. I know it seems hopeless now but you can and will get through this.  Sadly, I've been there and I know it sucks but try to stay positive and just keep pushing forward. {{HUGS}} 

post #23 of 32
Thread Starter 
Quote:
Originally Posted by EarthyMamaofDaisy View Post

If you spend down your savings by paying ahead on your mortgage for however many months then that will take care of the asset part of applying for assistance.  Plus you'd have documentation to show where the money went. In the meantime can you visit a food pantry?  And if you get turned down for assistance while on severance pay you can always reapply when it ends.  WIC has a more generous income limit, maybe you can at least get that?  You can also look up the income limits for fuel/electric assistance to see if you'd qualify for that at some point. 
We're far from needing a food pantry at least. smile.gif I didn't know there WAS such a thing as fuel/electric assistance (besides knocking on the church door for help!) What is that program called??
Quote:
Originally Posted by ilovemygirl View Post

I agree with a previous poster that actively searching does not mean pounding the pavement every day and unless you get a job offer that will work for you and you flat out turn it down you are still eligible to receive your unemployment. This is not scamming the system. Well, imo anyway. It's just having a security net to be able to find a job that works for you. If everyone had to take the first job available in their area regardless of whether or not it works for them we would all be in huge trouble! What's available immediately, what you are qualified for and what will pay enough to feed your family and cover your bills are almost always not the same. It takes most people some time. You shouldn't feel bad about that. Please look up if you are qualified for unemployment before draining your savings and such. 
Good advice, I will look into unemployment & find out if I'm eligible & when I need to apply. I know there are some requirements that would be hard for me to meet (like a mandatory orientation) but I think one of my friends would help with childcare for those infrequent times, I'd just have to stop being silly and ask...
Quote:
Originally Posted by ilovemygirl View Post

Also, I understand you have some emotional health issues that are making it hard for you to work. Is there any way you would qualify for disability? If not, it sounds like you aren't able to make it without working so I'd start thinking about what you really want to do. As a sahm, the very first thing to look at is babysitting. It's not always easy but it brings in money instantly. Look up what people are charging on craigslist and similar sites and then plan to charge a little under that. Unless you are in a very rural area, I'm sure you will find someone. 
I know for my physical health issues I'd likely qualify for disability, maybe for mental health reasons too... But I just cannot bring myself to even apply. That requires admitting a certain level of defeat, and I'm not there yet. I know that sounds a bit crazy. redface.gif

I considered babysitting/nannying -- still considering it -- but not sure I could handle it on a few different levels so I'm still trying to think that through.
Quote:
Originally Posted by ilovemygirl View Post

I
I think someone else brought this up but does your dh's company have a medical plan at all? Losing your job and insurance means you can file for instant coverage under his for the family but sometimes you do have to do it within a certain amount of time so if that's a possibility you should look into it right away. 
Yes, we can get insurance through DH's company, the premiums are just really high. In fact, when he asked about adding us on last week, that was their response: "It's really expensive." (Uh, thanks, real helpful... he is trying to get a better answer out of them lol.) Utlimately, either COBRA or DH's plan would cost us the same, and his plan covers a bit more, so we'll go with that, even though neither option really leaves us room to pay for other bills...
post #24 of 32
Quote:
Originally Posted by crunchy_mommy View Post

Good advice, I will look into unemployment & find out if I'm eligible & when I need to apply. I know there are some requirements that would be hard for me to meet (like a mandatory orientation) but I think one of my friends would help with childcare for those infrequent times, I'd just have to stop being silly and ask...
I know for my physical health issues I'd likely qualify for disability, maybe for mental health reasons too... But I just cannot bring myself to even apply. That requires admitting a certain level of defeat, and I'm not there yet. I know that sounds a bit crazy. redface.gif

 

How is asking for a lower interest rate because you lost your job any different than applying for unemployment or disability? In both instances you are asking for help because of a situation you did not bring on yourself. It's the SAME thing. Why would one mean a good thing and the other mean defeat?

post #25 of 32
Thread Starter 
Quote:
Originally Posted by ilovemygirl View Post

How is asking for a lower interest rate because you lost your job any different than applying for unemployment or disability? In both instances you are asking for help because of a situation you did not bring on yourself. It's the SAME thing. Why would one mean a good thing and the other mean defeat?

Sorry I misspoke, I don't think I'd qualify for disability as of right now, because I have been able to work up to this point. I cannot imagine finding another job where I can literally work from my bed. I think in a year or two if my medical & mental issues haven't improved I might consider applying for disability but I guess at this point I am still hopeful that things will turn around & I can be healthy again. I'd be throwing in the towel too soon right to apply right now. And I don't think I'd be approved as of today.

As far as unemployment, I need to be available for full-time work (which I'm not!) & make 3 work contacts a week. That is something I don't think I'm capable of doing. I will still apply I guess but I don't think I qualify. I also think that without unemployment we are eligible for more assistance... *sigh* IDK.
post #26 of 32

my job is only giving me 4 hours a week. I threw my back out and had to go on disability. Sometimes I wish they would just fire me then I could at least get unemployment. Severence packages don't exist in my line of work. I've been living out of an RV to try to be able to buy a home. Hugs mama, from my perspective, I wish I had your problems.

post #27 of 32
Thread Starter 
Quote:
Originally Posted by trekkingirl View Post

my job is only giving me 4 hours a week. I threw my back out and had to go on disability. Sometimes I wish they would just fire me then I could at least get unemployment. Severence packages don't exist in my line of work. I've been living out of an RV to try to be able to buy a home. Hugs mama, from my perspective, I wish I had your problems.

Uhh thanks????

That kind of makes me feel like crap. greensad.gif I'm sure you didn't mean it that way but that's how it feels. You can have my problems, all of them, I certainly don't want them. My life feels like a living nightmare (not the financial stuff, that's just extra stress thrown in for good measure). I'll quit complaining though.

I'm sorry you're in a bad situation. Can you get another job now that you're able to work again?
post #28 of 32
Quote:
Originally Posted by crunchy_mommy View Post


Sorry I misspoke, I don't think I'd qualify for disability as of right now, because I have been able to work up to this point. I cannot imagine finding another job where I can literally work from my bed. I think in a year or two if my medical & mental issues haven't improved I might consider applying for disability but I guess at this point I am still hopeful that things will turn around & I can be healthy again. I'd be throwing in the towel too soon right to apply right now. And I don't think I'd be approved as of today.
As far as unemployment, I need to be available for full-time work (which I'm not!) & make 3 work contacts a week. That is something I don't think I'm capable of doing. I will still apply I guess but I don't think I qualify. I also think that without unemployment we are eligible for more assistance... *sigh* IDK.

That means you send out 3 emails on monster.com.  As far as I know (and I've been on UE for the full 99 weeks) no one has ever checked my employment contacts.  I never had to send that 3 contact per week form in either.  (So just pick 3 jobs that you obviously are not qualified to do)

There is a mandatory meeting for UE, that meeting is several hours and you must attend.  But odds are you can find someone to watch the kids.

The only person who knows you aren't available for FT work is you.  If FT was overnights, or some off combo of hours you *might* be able to do that, you don't know.

 

 

The energy assistance is called LIHEAP.  Its just a form you fill out and send to your energy company.

post #29 of 32

OP- as you might know, disability can take years to get and IF you feel you may qualify (having medical documentation) I would start now-most disability lawyers work off the commission so it wouldn't cost you any thing right now, you may qualify for only partial anyway. 

post #30 of 32
Quote:
Originally Posted by zebra15 View Post

That means you send out 3 emails on monster.com.  As far as I know (and I've been on UE for the full 99 weeks) no one has ever checked my employment contacts.  I never had to send that 3 contact per week form in either.  (So just pick 3 jobs that you obviously are not qualified to do)

There is a mandatory meeting for UE, that meeting is several hours and you must attend.  But odds are you can find someone to watch the kids.

The only person who knows you aren't available for FT work is you.  If FT was overnights, or some off combo of hours you *might* be able to do that, you don't know.

 

This. I think its important to not try to scam these assistance programs, but they are there to help you. You pay into them with your tax money. Take advantage of them. Better to fudge a little or very loosely meet their requirements with the unemployment office than to lose your savings, your house, your food etc etc etc. Just my opinion. Start looking into what needs to happen for student loan deferment now. So if/when the time comes, you can easily pull it all together and send it off. That has been a life saver for us! 

 

Beyond that, I really don't have too much other than I'm so sorry this is happening. Its always so scary to have your life turned upside down by something like this.

post #31 of 32

I'm sorry I made you feel bad. I was hoping you would feel a bit better about your situation if you heard about mine. If ever there was a place to complain MDC is that place!

 

To answer your question about another job...... I got another job through the state doing in home care. When all was said and done I worked my butt off for six weeks and the powers that be decided that my client needs to pay me the majority of my pay out of pocket. If I allowed him to do that he would get evicted because he wouldn't be able to pay his rent. Long story short, the state shafted me 2k for all my troubles. And I had to go though certification out of pocket.

post #32 of 32

'Yes, we can get insurance through DH's company, the premiums are just really high. In fact, when he asked about adding us on last week, that was their response: "It's really expensive." (Uh, thanks, real helpful... he is trying to get a better answer out of them lol.) Utlimately, either COBRA or DH's plan would cost us the same, and his plan covers a bit more, so we'll go with that, even though neither option really leaves us room to pay for other bills...'

 

i don't know if you have checked into this but most states have a low income insurance that if you don't quailfy for the free insurance you might be able to quailfy for the low cost insurance. My dad retired wasn't old enough for medicare but didn't quailfy for no cost so the state did low cost insurance for 10 dollars a month. (he lives in massachuettes)

 

also not knowing your state it is hard but in texas they don't care about assets if you are only applying for snap(foodstamps) as long as you have a child under the age of 18. income does matter but assests do not.

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