In July of 2014, I found myself in the ER and was admitted to the hospital with surgery afterwards. All in the midst of trying to move! I was able to get immediate needs covered but now I find myself, a bit over a year later, burdened financially and emotionally with debt.
Shortly after surgery, we relocated and I became unemployed. I was able to find a contract project back in April/May 2015 that paid well enough for me to pay down some of the debt incurred in 2014. The copays and deductibles of the hospital stay and surgery were quite high. I was unemployed most of the year. My long-term partner was able to cover our housing (we were in the SF Bay Area so this is quite high), bills and the like. Plus he took on some of my medical expenses from previous year and paid for the copays that I could not. However, I still have outstanding student loans in excess of $50,000 which I was able to get deferred for a time. I do have about $10,000 in other education related debt that I was paying on when I had income. I was able to find a decent part-time job for a time. My mental health suffered from the gloom of the Bay Area.
We moved back to Arizona in Sept 2016 with the goal of returning to a place with more in person support available plus lower living costs and more sunshine. I was able to work for a brief time but was diagnosed with metabolic syndrome and impaired kidney function. So I am trying to find something part-time or work-from-home. I simply do not have the physical or mental energy to maintain a full-time job and cope with my illnesses. These are serious and I would like to stop the death spiral and return to some semblance of health.
My partner truly does what he can but we just found out that the portion that his employer pays to cover my health insurance will now count as additional taxable income. There will likely be further changes due to the new government now in place.
In addition, our home was broken into while we were visiting family. A few items were stolen including nearly my entire collection of jewelry the bulk of which were gifts and held great meaning to me. This has really impacted on my sense of safety and well-being.
So I thought I would send this out into the universe and see what happens. Where will the money go? Pay the copays and other expenses incurred while trying to maintain and improve my health by seeing my primary care doctor, a therapist and taking my medications.
If you do not understand about depression, here are a few links: http://www.nimh.nih.gov/health/topics/depression/index.shtml http://www.mentalhealth.org.uk/help-information/mental-health-a-z/D/depression/ http://www.healthline.com/health/depression/effects-on-body