Help. I am disabled and unable to pay my bills

[Handy1]

I live in Branson, MO I am 45 years old and 100% disabled with 6 different health issues. I draw my late husbands social security check each month, of which is $931 a month. I only have like 8 bills a month I pay. What hurts is I pay $37 a month my co=pay for all my medications monthly after Humana (my insurance pays rest) Medicaid says I don't qualify and if want on Medicaid so they pay the co-pays , then I have to pay them $175 each month spend down, so can't do that. I am paying a credit bureau (on various hospital bills I have after Insurance paid their part) they get $25 a month. My monthly rent is $598 a month - includes all utilities except Electric and my electric costs me $164 a month. Rent & lights comes to $762 monthly. If you take that out of my $931 I get in social security on 3rd each month. It leaves me $169 a month to live on. I tried getting food stamps they gave me $37.00 a month to try to live on. I pay $15 co-pay every time I see my family doctor, which adds up with my visits. I already been at doctors 4 or 5 times this month. I can't move as no way to move my furniture and I am not allowed to lift over 15 lbs per family doctor. Plus most places don't pay all utilities except lights, that’s why I moved here. When I used to apply for apartments based on ones income, I was told I am UNDER QUALIFIED. While my rent would be lower, I still wouldn't have enough left over after rent to pay all my utilities as no utilities included. So I can't even get in place based on income. I have almost had my lights shut off. My doctor and I learned even you Io have a oxygen machine I have to use at night, that doesn't keep my lights on. I have nobody but me and every month worry I will have no electric. There has to be some place people can go and get help monthly paying their light bill, or rent or something? Don't say CAM, or Salvation Army, or local Churches or any of the assistance programs in Branson. I have been to them before and always told get money first of year and gone quickly. I am searching Internet and seen a program called LIHEAP and going out call them Monday. Problem, is I need help every month. I can almost pay all my bills, minus leaves not much for food. I could make it on my own, if I didn't have a electric bill each month with Empire electric. I doubt if you can help, but I am grasping at straws.

[Annies Emerald]

I did not receive my SSI check and I depend on this. Someone called Social Security and changed my account and profile info. My mortgage is due, my lights, my water are unpaid and I have never been late before. I am past due and late charges are incurring in addition. I need social security to be honest. I need help ASAP.

[charlesSch]

My husband and I are both disabled, living only on $900 per month. We need rental help. Tried contacting local programs, but they don't have section-8 vouchers available to help with rent. We have two dogs, so government housing is out of the question. Our rent is $800, we do get food stamps and medical help, but we can barely make it and all our bills are late, some have been working with us and we have gotten help also for our oil heat. We could use help with gasoline, since we live 20 miles from our doctor, groceries stores and pharmacy. Anything would help.

[ZZTopper]

I am disabled from a bad car accident and no longer able to work. I need help with my current rent ($700) a month and also my electric bills. My wife is no longer able to work from a medical condition. I just need some assistance until her disability becomes active. My disability check is gone before I can even get groceries. Are there any temp help programs available?

[Nashville]

Hi I am seeking help in paying bills! I got injured on the job Nov 2011 and lost my job July 2012 and haven't been able to work since do to a 20% permanent partial disability and tons of restrictions and living with chronic pain and spasms every day! Going to a Neurologist on the 31st! Everything is tied up with Worker's Compensation and the Lawyer! So during this process I had no help with anything except my parents but they can't afford to continue to help me I never thought this would last so long so far a little over a year! I had to put every day expenses on Credit Cards and now I am in over my head in debt!! Medical Bills are outrageous as well thanks to workers comp! The only help that I received so far is Food Share $200 a month but that does not cover supplies toilet paper and other stuff we need to live with every day gas hair cut etc.!!! I do have Energy Assistance for the power bill! Is there any agencies that can help me??

[Obama Martini]

finding AVAILABLE emergency assistance in Alabama is a strenuous battle. i am not renting, but staying at a weekly/monthly studio complex. i am here only because it allows pets. i have a service dog for (stress induced) seizures - the irony, right? Mobile has very few women's shelters and none can accommodate my dog, regardless of certification. i am on disability because, in accordance with state law, a drivers license is revoked for a year subsequent from being diagnosed an epileptic. my monthly check doesn't come close to cover the absolute necessities. every organization, church, charity, and the like is lacking financially. if i am unable to pay by tomorrow morning, my dog and i will be on the street. literally. do you know where i can get emergency financial assistance in Mobile? or could you point me in a promising direction. any help would be much appreciated. thanks.

[Cincy]

Hi, i was recently in an accident. The person who hit our car just took off. My back and neck have been hurting since and i have been in terrible pain. I have a protrusion on my lower back. All they are doing now is steroid epidural injections and therapy. I haven't been able to work because if im on my feet too long i get excruciating pain in my back and down my leg. I have 3 boys and i don't know where to turn for help. Ive called a few places about utility help, but since im not elderly or disabled they wouldn't help me. Is there any places you know that may help with any bills- rent, electric, water, or food? Any help would be appreciated! Thanks so much!

[Cincy]

Hello,
My doctor advised that I apply for disability in Oct. 2011 Since that date i have sold all my daughters and my personal items to pay the rent and bills. I am unable to pay my rent or electric as of current. We are facing being homeless. Is there anyone I can turn to for help in our time of need?
Thank you so much,

[Admin - Jon McNamara]

I think one program you may want to look into is weatherization. find information here on it in Tacoma Washington. It is funded by the federal government, and it is free to income qualified families. It may include roof repairs to both help people save money on utility bills, and to make homes sage. Also look into your local housing authority, as some offer very low interest loans for home repairs.

Good Afternoon,
I am trying to find an charitable organization that helps those who are disabled and on a limited income. I have a next door neighbor a married woman with two kids woman in her late 40’s that is unable to work due to a severe case of fibromyalgia, which has made it impossible for her to work any longer. She has a son whom is also handicapped. Her home has a roof that is totally unsuitable. Her whole roof is covered in plastic as the entire roof leaks very badly. She has no means to do the repairs. Our church has tried to raise the money to have it done for her but the cost is just too high. I have prayed about it and there has to be some way for this to be done for her. Thank you very much for your time. She lives in Tacoma, WA

[MorganGold]

Good Afternoon,
I am trying to find an charitable organization that helps those who are disabled and on a limited income. I have a next door neighbor a married woman with two kids woman in her late 40’s that is unable to work due to a severe case of fibromyalgia, which has made it impossible for her to work any longer. She has a son whom is also handicapped. Her home has a roof that is totally unsuitable. Her whole roof is covered in plastic as the entire roof leaks very badly. She has no means to do the repairs. Our church has tried to raise the money to have it done for her but the cost is just too high. I have prayed about it and there has to be some way for this to be done for her. Thank you very much for your time. She lives in Tacoma, WA

[Admin - Jon McNamara]

While thank you for the extensive information and detail, it seems like you may need a number of assistance programs. Here is one that lists states towards the bottom of the page, with more federal assistance resources at the top of the site. http://needhelppayingbills.com/html/sta ... progr.html
Usually if you are dealing with a health insurance company such as Aetna, you may want to work with your employer (who provides the coverage) or your local social services agency too. And just keep looking into various programs for your father.

A friend of mine forwarded your site to me because he has friends whose parents are in the same situation that my father is in. I have to stay up all night to turn my Dad; who can no longer walk; has a feeding tube and is in a hospital bed in the middle of her living room. I will try to explain the situation here because I have to try to get my sleep during the day while my stepfather watches her during the day. There is only the 2 of us trying to take care of him. My parents get $1900 a month in SS and that is the total of their income. I've found that with most government agencies they feel that this is too much money; but my father has to have 24/7 care and they cannot afford to pay someone and Medicare and his supplement Aetna insurance will not pay for continued care. My father is not dying from anything at this moment so he isn't ready for Hospice. I wish these agencies would realize that I cannot work because I must live here to care for him. he got sick back in the middle of Oct and has had 6 hospital stays since the end of August. Her sodium keeps dropping causing confusion and no Dr can figure out why. Because of the hospital stays; his muscles have weakened to the point where he can no longer walk; stand or even sit up on the side of the hospital bed by herself. If my father could only get several weeks of physical therapy he could walk again and that would help the confusion because he would be doing ADLS and be able to understand what day it is; that he is hungry; or that he needs to drink but we can't afford to pay for help and the Medicare/Aetna will not give her any more days of rehab until the middle of Feb; 60 days after he was given only 7 days of rehab. We can't afford the no rinse supplies to even give him a bed bath and he is unable to get into a bathroom for a real shower and his home is not set up for a disabled person. The one agency and including food stamps think he makes too much money. They never ask how much her house payment is; which is $850; that doesn't include home owners insurance ($600/yr) and taxes for impact fees that San Diego county charges ($900/yr) and maintenance fees for the park of almost ($50/month) plus electric; water, car ins for my stepfather; food and all the extra supplies he needs since he is totally bed ridden. he must wear incontinence briefs, have zinc ointment to try to prevent bed sores; medications because she also has a 2 heart conditions and right now we are fighting C Diff; a terrible bacteria from having to wear briefs. I clean her with soap and water and fight it night and day but my step father and I are getting wore out trying to do this all on our own. I'm just overwhelmed; I'm sorry for ranting. Its just so sad to me that as sick as he is; they will probably lose their home and then I don't know what will happen to them. And the worse part is that my father could walk again; he could get so much better if only there was help out there to get her real therapy. When he was at Oceanview in New Symrna; they gave her therapy 2 times a day 5 days a week and once on Sat's and he rested on Sun. All the in home medical professionals that were covered for only 3 visits believe Dad has just given up because they are not with her all the time. I talked with the social worker at the hospital this last time and even he understood; its not that Mom wants to die; its just that its so much easier when its family to let us do everything for her; than it is for her to work at it and he can only get that kind of help from an outside source. I would be thankful if we could just get help with her incontinence briefs; no rinse hygiene products.....anything that will lessen the financial burden that costs so much extra and is taking away from the money they do get from their Social Security check and has now added up so much they are so behind and soon they will lose their home if I can't find help. Please tell me there are grants or donations or special organizations somewhere that help people to get medical care that Medicare/Aetna won't cover and that the patient can't afford to pay for. Any kind of help would be so greatly; greatly appreciated; even if its just for supplies. I wish the companies that evaluate her income would consider me as a dependent because like I said; my Mom needs 24/7 care and I can't go out and find work because they can't pay someone to do it. Please email me back if you think there is ANYTHING out there. Once you do; and if you think there is help somewhere; I will give you my number to get ahold of us. We have bill collectors calling all the time from hospitals; and regular home bills. Thank you so much for any help you may be able to get for my Mom. he's a strong woman and the longer he lays in a bed without therapy; the faster her muscles will completely break down and then he will never walk again or get better. Thank you again

[Woo-Hoo]

A friend of mine forwarded your site to me because he has friends whose parents are in the same situation that my father is in. I have to stay up all night to turn my Dad; who can no longer walk; has a feeding tube and is in a hospital bed in the middle of her living room. I will try to explain the situation here because I have to try to get my sleep during the day while my stepfather watches her during the day. There is only the 2 of us trying to take care of him. My parents get $1900 a month in SS and that is the total of their income. I've found that with most government agencies they feel that this is too much money; but my father has to have 24/7 care and they cannot afford to pay someone and Medicare and his supplement Aetna insurance will not pay for continued care. My father is not dying from anything at this moment so he isn't ready for Hospice. I wish these agencies would realize that I cannot work because I must live here to care for him. he got sick back in the middle of Oct and has had 6 hospital stays since the end of August. Her sodium keeps dropping causing confusion and no Dr can figure out why. Because of the hospital stays; his muscles have weakened to the point where he can no longer walk; stand or even sit up on the side of the hospital bed by herself. If my father could only get several weeks of physical therapy he could walk again and that would help the confusion because he would be doing ADLS and be able to understand what day it is; that he is hungry; or that he needs to drink but we can't afford to pay for help and the Medicare/Aetna will not give her any more days of rehab until the middle of Feb; 60 days after he was given only 7 days of rehab. We can't afford the no rinse supplies to even give him a bed bath and he is unable to get into a bathroom for a real shower and his home is not set up for a disabled person. The one agency and including food stamps think he makes too much money. They never ask how much her house payment is; which is $850; that doesn't include home owners insurance ($600/yr) and taxes for impact fees that San Diego county charges ($900/yr) and maintenance fees for the park of almost ($50/month) plus electric; water, car ins for my stepfather; food and all the extra supplies he needs since he is totally bed ridden. he must wear incontinence briefs, have zinc ointment to try to prevent bed sores; medications because she also has a 2 heart conditions and right now we are fighting C Diff; a terrible bacteria from having to wear briefs. I clean her with soap and water and fight it night and day but my step father and I are getting wore out trying to do this all on our own. I'm just overwhelmed; I'm sorry for ranting. Its just so sad to me that as sick as he is; they will probably lose their home and then I don't know what will happen to them. And the worse part is that my father could walk again; he could get so much better if only there was help out there to get her real therapy. When he was at Oceanview in New Symrna; they gave her therapy 2 times a day 5 days a week and once on Sat's and he rested on Sun. All the in home medical professionals that were covered for only 3 visits believe Dad has just given up because they are not with her all the time. I talked with the social worker at the hospital this last time and even he understood; its not that Mom wants to die; its just that its so much easier when its family to let us do everything for her; than it is for her to work at it and he can only get that kind of help from an outside source. I would be thankful if we could just get help with her incontinence briefs; no rinse hygiene products.....anything that will lessen the financial burden that costs so much extra and is taking away from the money they do get from their Social Security check and has now added up so much they are so behind and soon they will lose their home if I can't find help. Please tell me there are grants or donations or special organizations somewhere that help people to get medical care that Medicare/Aetna won't cover and that the patient can't afford to pay for. Any kind of help would be so greatly; greatly appreciated; even if its just for supplies. I wish the companies that evaluate her income would consider me as a dependent because like I said; my Mom needs 24/7 care and I can't go out and find work because they can't pay someone to do it. Please email me back if you think there is ANYTHING out there. Once you do; and if you think there is help somewhere; I will give you my number to get ahold of us. We have bill collectors calling all the time from hospitals; and regular home bills. Thank you so much for any help you may be able to get for my Mom. he's a strong woman and the longer he lays in a bed without therapy; the faster her muscles will completely break down and then he will never walk again or get better. Thank you again

[Admin - Jon McNamara]

We can't help pay your electric bill, but we can provide information on programs and options for you. Here are details on electric bill help in California. The number of programs offered by energy providers is quite extensive, but you do need to call around and do the work. For example, call Pacific Gas & Electric at 1-800-933-9555 and ask about the Energy Partners Program.

Dear Sirs,
I and my husband are on S.S.D.I. ....we had a issue this month to here our money ran out before our bills..Can you please help me to pay our electric bill somehow...Please I am begging for your help...My husband has to have breathing treatments for his Scarcoidosis..we are both diabetics also...Please Please Help us.

[GogoJill]

Dear Sirs,
I and my husband are on S.S.D.I. ....we had a issue this month to here our money ran out before our bills..Can you please help me to pay our electric bill somehow...Please I am begging for your help...My husband has to have breathing treatments for his Scarcoidosis..we are both diabetics also...Please Please Help us.

[Admin - Jon McNamara]

Sounds like you have extensive need for medications for the heart conditions, stents, and other medical needs. Good news is there are many programs that offer low cost medications to the low income. One of the major ones is the Patient Advocate Foundation. They can offer medications, and other aid and advice for medical and hospital bills, as well as charity care. Phone 1-800-532-5274.

I have been disabled for a long time.I am having problems with getting ssi disability.I do have an attorney,but still having problems.I have had a heartattack with surgery with stents in the beginning of this year. I have had nerve damage in my entire left hand, arm, left area.both together is extremely difficult for me and what I'm able to do.my emergency needs is everyday living.my utilities has been shut off,not good for my disabilities. My rent is behind and I will be evicted real soon if I don't get emergency help now.I have no medical, and even 4to10 dollar prescriptions are very expensive for me.I do not have my own transportation and limited communications coming in n out.except for this and mail.I have high anxiety and depression. I do get a lil bit of food stamps.I need to know what can you or anyone do for me n my situations, without loosing what I already have. And only have. Please help me and send this to people who can only help. Thank you for your time n patience, sincerely,

[Admin - Jon McNamara]

That is a significant amount of help you need across the board. I think you just want to start with the primary site of http://needhelppayingbills.com/index.html
As this is the starting point for thousands of phone numbers, names, agencies, charities, etc. As far as calling the Salvation Army, Urban League, etc. those are all the right steps to take. Just need to keep calling and be persistent.

Disabled single mother with another on the way that's facing eviction. My son and I have been sleeping on an air mattress for the last nine months and now we're facing a far worse reality. Homelessness! Most of all the agencies I have contacted (Urban League, Salvation Army, etc.) have little or no resources available. I'm on a fixed income (SSDI and SSI) and its impossible to keep up with current bills and rent and catch up on rears. I certainly hope you know of some other resources or grant programs that might be of assistance to me concerning my situation. Thank you and God Bless!

[Dexia]

I have been disabled for a long time.I am having problems with getting ssi disability.I do have an attorney,but still having problems.I have had a heartattack with surgery with stents in the beginning of this year. I have had nerve damage in my entire left hand, arm, left area.both together is extremely difficult for me and what I'm able to do.my emergency needs is everyday living.my utilities has been shut off,not good for my disabilities. My rent is behind and I will be evicted real soon if I don't get emergency help now.I have no medical, and even 4to10 dollar prescriptions are very expensive for me.I do not have my own transportation and limited communications coming in n out.except for this and mail.I have high anxiety and depression. I do get a lil bit of food stamps.I need to know what can you or anyone do for me n my situations, without loosing what I already have. And only have. Please help me and send this to people who can only help. Thank you for your time n patience, sincerely,

[Berman]

Disabled single mother with another on the way that's facing eviction. My son and I have been sleeping on an air mattress for the last nine months and now we're facing a far worse reality. Homelessness! Most of all the agencies I have contacted (Urban League, Salvation Army, etc.) have little or no resources available. I'm on a fixed income (SSDI and SSI) and its impossible to keep up with current bills and rent and catch up on rears. I certainly hope you know of some other resources or grant programs that might be of assistance to me concerning my situation. Thank you and God Bless!

[Admin - Jon McNamara]

Try to get relocation help is tough. Not many programs for that. Does employer offer it?
In the meantime here are some Marietta agencies in Ohio to call for advice. Many they have some limtied funding, or some options for you to call. Try calling organizations like Eastside Community Ministry at 740-452-7519.

i am a 31 year old mother of three.twins who are 11 and an 8 year old.i am 4 months pregnant with twins again.i have no income.used all the state financial assistance when i was still married to ex husband who wouldnt work.i can not work due to severe depression and anxiety disorder,i have been fighting for ssi for 4 years now.my only support is my brother who recently moved to Marietta Ohio.i am trying to get relocated to be with him so i can keep my family together.any help or info will be greatly appreciated.thank you.::

[Weather]

i am a 31 year old mother of three.twins who are 11 and an 8 year old.i am 4 months pregnant with twins again.i have no income.used all the state financial assistance when i was still married to ex husband who wouldnt work.i can not work due to severe depression and anxiety disorder,i have been fighting for ssi for 4 years now.my only support is my brother who recently moved to Marietta Ohio.i am trying to get relocated to be with him so i can keep my family together.any help or info will be greatly appreciated.thank you.::