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It is ridiculous how this collection process works.
When I was dx in February of this year, I started preparing for the hard times ahead.
Tricks I did: first I took all my money out of savings and paid my house almost off. No liquid assets in the bank; Then I took a huge equity line on my house of which I have not touched, but if need be can be used for medical stuff. An equity line is not considered an asset. In other words, I hid my assets in my home.
Now if I ever need to qualify for any assistance, we have a limited income from my husbands’ job.
So far my husbands insurance from his job is paying a large portion of our medical bills and we have been able to pay most of the small out of pocket expenses. But if I need a chemo or something that is not covered by insurance, I can pay for it out of my equity line or possibly qualify for some assistance.
I have not filled out the forms for disability as of yet. I don't know how to do this and don't know if I qualify. I think I will because I cannot work and was given not so long to live. If we get this benifit it will help and maybe I will be able to hold on to one of the vehicals.
I also use one credit card for all of my medical stuff, prescriptions, co pays, travel etc. This way it’s easier to track for tax time “right off” at the end of the year.
Hope this helps someone else.
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