Life Talk/Decision Making
Thoughts
💭What's on my mind:Is getting Off SSI a Option?
I been on disability for 5 years maybe longer since then all these illness hit the fan, but I just haven't been happy financially in my life an mentally I'm doing alot better as my illnesses go i do get flares but their manageable I know what to do.
last few years I been questioning if I should get off SSI, your probably thinking "Why"?
let me explain even with disability i do not make enough to survive on to support myself, the insurance I have with ssi alot of things are covered yes (But) there's also alot they dictate about your life when on these state assistance programs there's many doctors/therapist that do not accept my insurance, so im left with no mental health care,or daily activities your not allowed to do even if it will better your life, like college would interfere with ssi .once I get my monthly check its gone within 24 hours then im scraping by like im stuck in a playground swirl slide! im just worried about getting/affording food remote job that pays well because I know I'll have to pay for deductibles for like my medications,doctor appointments,and my most worry my ostomy supplies I relay on the rest of my life. All I want to do is better my life, i live with my parents an my worry is if anything happens to them I won't beable to afford life expenses like rent a place to live ,even though im on these services ssi housing would take my whole check.even right now some things I need for my health I can't afford it.i never worked a day in my life other then physical volunteering position few years back an personal experiences. i love working very hard worker when I volunteered im very work driven , I also have audhd an can hyperfocus on topics for the longest time im a huge reserscher, I really would love to be independent an get off the system an make my way so im not always worrying about food or my essential needs. Just want some advice because I've been just so unhappy an worried about how my life has been. some jobs I see in just feel stupid. it's something I've been wanting to do for a while just terrified of the unknown of everything
#chronicillness #wanttobehappy #independence #remotejobs #income
Deciding whether to get off Supplemental Security Income (SSI) is a complex and deeply personal choice, especially for those managing chronic illnesses and disabilities. The challenges faced by individuals on SSI include limited income, restricted access to healthcare providers, and strict program rules that can impede personal growth activities such as education or employment. For someone who has been on disability for several years, like the author, the financial strain and psychological impact can be significant, especially when their monthly SSI check covers immediate essentials but leaves little for savings or emergencies. Many SSI recipients worry about losing vital insurance coverage and the risk of facing high medical costs, including deductibles for medications, doctor visits, and specialized supplies like ostomy care products. These concerns are compounded by the difficulty of finding mental health care providers who accept SSI insurance. Additionally, housing expenses often consume a large portion—or all—of SSI benefits, making independent living financially challenging without additional support. For those considering transitioning off SSI, exploring remote work opportunities can be a meaningful step toward financial independence. Remote jobs can provide flexibility for managing health while building work experience and income. It is crucial to research job options that align with one's skills, interests, and physical capabilities. Moreover, understanding state and federal work incentive programs, like the Ticket to Work program, can help individuals return to work without immediately losing SSI benefits, providing a safety net during the transition period. Education and skill-building can also improve employability and income potential. Although full-time schooling might affect SSI eligibility, part-time studies or online courses could offer a pathway to higher paying, sustainable jobs. Support from vocational rehabilitation services and disability employment specialists can equip individuals with necessary resources and guidance. Financial planning is another essential factor. Creating a realistic budget that accounts for all expenses—including healthcare and essential supplies like adapted medical supplies—is important. Emergency savings, if feasible, and connecting with community assistance programs can provide added security. Ultimately, the decision to get off SSI requires weighing the benefits and risks carefully while considering long-term wellbeing and independence goals. It may help to consult with trusted social workers, financial advisors, or disability advocates to receive personalized advice. The essential goal is to strive for a balanced approach that enhances quality of life, supports health needs, and moves toward greater autonomy in a sustainable and informed manner.
