I have some questions again DH found out earlier this week that he'll be losing his job soon. No exact date, but around March sometime. He gets 8 weeks pay plus 2 weeks vacation pay after that. Beyond that it's unemployment unless he can find something faster. My question: I did the "what benefits may you qualify for" thingie on the Florida state website. It asks about assets. DH has a 401K, but obviously if we touch it, we'll be hit hard at tax time, so much so we can't afford to do that And it isn't all that large to begin with. DH also owns and is paying on his truck. We owe more than we could get out of it if he sold, plus he needs it to find a job and get to work. So with either of those assets it says we won't qualify for any assistance no food stamps, no medicaid for our kids or anything when he goes on UE. Does that sound right? I got medicaid for pregnant women with no issues as a secondary insurance, but we'll use it as primary soon until baby is born of course. But my other two children (ages 2 and 4) won't qualify for medicaid apparently, which I just can't understand If DH gets the max UE offered (which I expect) he'll be getting $1100 per month. If we let his truck go back and our credit cards go, then yeah, we could get by on it, but we really are hoping to avoid that. But should we apply anyway and see where things go? If we could just get medicaid for the boys I would be THRILLED! I hate to think of them not having insurance, not worried about DH and I we'll deal. There's no way we could afford private insurance once DHs is gone either. We own our home, so no payments there either (thankfully! the one thing we do have going for us).
ETA: One more idea. Since you own your home and your husband still has a job for the moment, can you quickly apply for a heloc to pay off your credit card debt? You won't have any credit card debt, which welfare doesn't care about, and you will generate a second mortgage payment that will help you qualify for assistance. We tried to do this but didn't qualify because we already have a 50k heloc. The reason we struggle so much is our huge min cc payments. You won't get the heloc if your dh is unemployed tho, so better to do that before he loses his job. Your payments will be a lot less than your cc payments. Get the variable rate of you qualify, right now it's about 4%.