Dear CP: The Reality about my Benefits...
“You’re so lucky to be disabled. You get paid without having to work and you get insurance and other benefits for free. It must be so great!”
We’ve all heard a version of this before, CP. Abled people think disabled people have this plushy free ride in life. We have it so easy. Things get handed to us, while others work for what they earn. People scream how their hard-earned money gets taken away so that we can sit on our butts all day and do nothing. But, the funding that pays for my government support isn’t coming out of their paychecks.
They cry how unfair the whole thing is. They envy what little we have and want to take it for themselves. People intentionally disable themselves so they can hop on our “free ride express.” But, the truth is, my life is not as easy and carefree as it seems, even with benefits.
So, let’s talk about the truth behind my government support, CP. The two main topics I always hear people complain about are:
government funded payments and
government funded insurance.
First, let’s clear something up. There are several government programs and they vary from state to state. My program, the one that gives me payment support for being permanently and physically disabled from birth, thanks to you CP, does not come from individual employment paychecks specifically. So, no, strangers are not going to work and paying for me to “sit on my butt all day.”
Next, lets cover the basics about my payments and why they are not as glamorous as they seem.
Despite what others think, CP, the amount I get each month is less than what the average person makes earning minimum wage. When you break it down, many people on payment support receive around $10 -20 a day. Maybe less. It all depends.
As you can see, this is hardly enough to live on when you are unable to work and it’s your only source of income.
Receiving government payments also comes with a lot of difficult restrictions. The biggest restriction being, we are not allowed to save, earn, or hold more than $2,000 dollars at any time for any reason. Otherwise, we will lose all benefits and potentially be required to pay back what we have been given.
CP, you can understand how this would restrict your life. We cannot save for a home, a car, or anything that would require us to have more than $2,000 in our accounts at a time.
Similarly, if we decided we want to get married to someone, it is highly likely we would lose all our benefits because their income would factor into that savings rule. This means, by being married, I agree to be completely dependent on my spouse financially. Which also means, I would not be able to divorce if it became necessary.
And people wonder why abuse rates are so high for people with disabilities?
My government payments are also essential to my health and well-being because guess what? If I lose my payments, I also lose my insurance and health care.
That’s right, I only get healthcare while I receive support payments.
So now, let’s talk about this free insurance that makes everyone so upset.
While my insurance is free, it is also very limited. My healthcare does not cover routine dental care, eye care, or physical therapy (which is very important to my overall health living with CP.)
Along with not being able to get necessary routine care, my insurance is not as widely accepted as you may believe. Finding a provider who accepts my insurance can be a struggle and often, my insurance does not offer a complete and updated list of providers I may be searching for.
So, I’m left to find a lot of resources on my own.
This can cause a lot of stress and frustration, like recently.
Over the last few months, I have been trying to get a new wheelchair. Getting a wheelchair is never a simple process but these last few months have been especially difficult.
First, I couldn’t receive a clear description of what my insurance requirements were to get coverage for a wheelchair. It took several tries before I was clear on what the process was.
Then, I struggled with finding a wheelchair company to work with. My insurance could not provide an accurate list. I called and emailed 6 places before I found one who would accept my provider.
Now I’m at a standstill because both my insurance and wheelchair provider requires that I have a PT evaluation done but, because I do not have a regular physical therapist, (because my insurance does not provide me with routine physical therapy) I now have to find a PT office that accepts my insurance and will do the evaluation.
This would be a simpler process if my insurance offered routine PT care to begin with. Don’t get me wrong, I am grateful that I am able to have things like free insurance and support payment but, I would not call myself lucky.
Despite what others may think CP, the reality is that while I receive government care I cannot:
Earn/Save more than $2,000
Easily get the care that my disability requires.
Dear CP:
Yes, I am grateful. Yes, my benefits do help me.
But it does not come without restriction.