WHAT SSI DOES FOR ME
I'm 48 years old, and am completely disabled with FMS/CFS/MCS, not to mention Lupus AND Osteoarthritis in my neck, back, and hips. I have worked since I was 16, put myself through college while working 60 hour weeks, spent 26 years as a Chemical Engineer working my a$$ off for companies like Morton-Thiokol, Honeywell, Western Digital and Canon. I once earned a six figure income, and live in the SF Bay Area where the average cost of a 1,200 sq.ft, 3/brm 2/ba house is around $480,000.00... around a half a million bucks!
Feel sorry for me yet?
Well, after exhausting my State Disability (which I also paid into), my own personal savings, 2 appeals with the Feds to collect MY own money paid in to Social Security, and 5 years of bureaucracy, I am now able to collect $1280/mo in benefits. My attorney that helped me get my own money only charged me 40%, thank goodness! This money is gross pay and does NOT include what they take out for Medicare, or income tax (Fed and State). That leaves around $750.00/mo. to live on.
Now, depending where you live that could be a lot of money, but when you figure an average monthly car payment is around $300-$400, an average mortgage here is about $3,500/mo, gas costs $1.70 per gallon and the average commute is over 45 miles (one way), our utility bills in California run between $150-$400/mo. God forbid you have any credit card debt! Then of course there's groceries, auto and health insurance, etc, etc.....
So, I guess I should be happy I'm at least getting my $750.00 per month now, because it won't last long!
My advise? Well.......
1.) Never become permanently disabled or reach the age of 68
2.) Work 2 full-time jobs now, and save the second income in a coffee can buried in a place that won't eventually get paved
3.) Live in a small travel-trailer behind someone elses house now, so it will be paid off by the time you reach 65
4.) If you get sick, just bite-the-bullet
5.) Let your kids pay their own damn way through college
6.) Think about ways to push around a shopping cart everywhere you go
Learn to hate ALL Americans and move to a third-world country that the USA pays billions and billions of dollars to!