10/16/2025
I try not to whine on Facebook. However, sometimes we need to be honest about struggles. It makes others experiencing the same struggles feel less alone and educates others on the realities disabled people face.
I have brain fog. That is a reality. I usually compensate pretty well but there are days I’m dumber than a fly hanging out in a field of fly paper. It’s like my mind is filled with corridors. Those corridors lead to room upon room of filing cabinets filled with files of information and thought carefully gathered over a lifetime of learning. I know they’re there. I can see down the halls. Occasionally, I’m randomly allowed down a hallway and into a room. But that’s a delightful exception.
When I do force my way down a hall and into a specific cabinet such as “how to fill out (specific) paperwork,” I pay with a multi-day crash that makes life hideous for awhile.
Right now, I am facing two deadlines for Medicaid in Tennessee. (Through the fun interestate rules of federally-funded insurance, I have not had medical insurance coverage since July 31.) By October 31, I have to have set up a QIT (qualified income trust) account to divert part of my disability insurance income, figure out how to make my life insurance inaccessible, and have proof of both filed.
I am stressed about meeting the deadline. I am heart sick about the life insurance. We have nothing left of value to leave our kids. Charlie hasn’t been able to get life insurance for almost 20 years. If I miraculously recover, I still won’t qualify for affordable life insurance after this. This policy was our assurance we wouldn’t be a financial burden on our kids through my long-term care or burying us. We were even hopeful there would be money left to help them move forward in life. I loved my maternal grandfather but his death left my mom with debts and stress. I didn’t ever want to do that to my kids.
You would think that if the state were going to require disabled applicants to jump through legal hoops, they would provide support. After all, if I could still do all of this on my own, I could work and support myself much better than the state will fund me.
Which leads me to another point of irritation: I have to start the Social Security Disability application process all over. The judge didn’t believe me. I have maxed out my appeals. When finally awarded, it will be about $1,300/month. I made a decent amount more than that working. Working is something I enjoyed. I miss it! It is so demeaning to be treated like a faker when I would much rather be out making money, supporting my family, and preparing for the future. Financially, I have no future. Washington State owns my retirement account and now Tennessee will have my life insurance tied up one way or the other.
Are some people faking disability? So I’m told. I don’t know how or why it would be worth it. The greatest loss has been that of my dignity. God knows it was worth a whole lot more to me than Medicaid or SSDI.
I have never considered life to be fair. I never expected it to be fair. But some days, it just seems so very unfair.