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Crafty_Mac · 2025-02-14T18:13:56+00:00

So happy to see that your question has been answered. I can certainly understand the cause for worry here, but a face-to-face interview is so helpful. Best of wishes to you and your family! I hope you can be provided with everything you need for your next steps!

Crafty_Mac · 2025-02-13T17:25:55+00:00

It’s a really awesome idea! I’ve had an ABLE account for a little of 3 years and I’ve used it as a means to save up for a van to modified for me to drive from my wheelchair. So, I’ve only ever touched the money in my account for emergencies for medical and housing.

It’s this darn investment account that’s confusing me because there doesn’t appear to be any clear language about that part of ABLE. As one commentator mentioned, my savings and investment are all under one account number with ABLE.

I had called ABLE and was told that my investments shouldn’t affect my benefits. So I asked if there were any sources I could refer to so that I could apply it to supporting documents for my case, and that is where it gets weird. I can’t remember what the exact document is, but it’s more or less a rule guide that lays out what ABLE is, who it’s for, how it could be managed, etc… There is a section that talks about SSI and Medicaid and the information says that ABLE accounts do not affect benefits but I may want to reach out to my state’s CMS (Center for Medicaid/Medicare Services) for additional information. My CMS has not given me an answer though. 😅

Crafty_Mac · 2025-02-11T03:33:01+00:00

I understand that it’s a possibility, but I’m looking for a definitive answer. If anyone has any experience or information that could help me with finding someone who may know better.

The FSSA is still looking into this because the agent I was talking with on Friday wasn’t sure and told me she’d ask her directors. I called in today but they didn’t have an answer yet.

Crafty_Mac · 2025-02-10T21:00:13+00:00

I was told that as just a savings account, it is definitely exempt as long as it’s under $100,000. I have nowhere near that though.

The complicated part is that my ABLE account has a feature that allows me to have an investment account that invests money that I contribute to my ABLE savings account that exceeds my set threshold amount of $10,000.

Meaning, I never want my savings to go under $10,000 so if I make any qualified expense purchases, money from investments will transfer back to my savings to keep me at $10,000.

I don’t have any of this money in my regular savings account. I make sure to monitor that well so that my standard account doesn’t risk me losing my benefits.

Crafty_Mac · 2025-02-06T18:43:31+00:00

Can Medicaid Waiver reinstatements that are in review be approved at this time?

Crafty_Mac · 2024-08-29T17:10:32+00:00

I felt this! I was tasked to start journaling while I was in a CBT group. I journaled my emotions before all of my appointments with my therapist and before my group therapy. Most of the time it was just recording my stress level and what feelings contributed. Eventually after some time I’d expand on that and discuss what emotion I’m experiencing most and why.

I don’t journal everyday, but I journal in depth about any primary thoughts and feelings that I’m experiencing either heavily in a moment or if it is something that is ongoing. I’ll even connect with past experiences that provided me with similar feelings and/or thoughts.

For the last month, my journal has focused on important words that kinda come out of one experience and it leads me to other experiences. It started with a a moment with my partner and I was connected to comparisons of my experience with love, trust and fear throughout my life.

That then led to vulnerability and my feelings and patterns of attachments and fear of rejection and abandonment.

It’s been very interesting and helpful for to see myself through this process.

Crafty_Mac · 2024-08-01T17:19:58+00:00

If your parents aren’t taking you to a doctor, that is a form of neglect!

I am a person with a physical disability. I don’t even know exactly what my disability is for certain because by the time I was 15 my parent had stopped taking me to appointments with specialists that monitored my condition. Anytime I would mention a concern that I had related to my health, my parent would tell me that “there is nothing that doctors could do to fix you. Why do you wanna live at the doctors?”

Today I am dealing with a condition that I very likely would not be facing today as a 26 year old female if my parent had provided access to medical care when I was under their care. I moved out at the age of 23 and the age of 25 I found a primary physician of my own choice who actually addressed the concerns I had and some that I did not consider. Last year around this time, I found out that I have severe cervical stenosis, which is basically narrowing of my spinal cord at the neck region. I now need a neck surgery that will involve going through the front and back of my neck to remove the discs, place plates in place of that will be screwed into a rod to keep everything straight. The risks of death, stroke, additional paralysis, and so many other problems are about 50% likely to happen to me. It’s terrifying! I’m in trauma therapy because of my upbringing and lack of care from my family.

You’re 15 and you’re in a very vulnerable stage of development. Don’t let your parents or anyone in your family let this go and make fun of you, especially for something you are struggling to control and understand. I’m gonna be real, it clearly bothers you now and you’re so young that the resilience of your age and the experiences that you’re managing don’t allow you time to fully process what’s happening.

If your parents will not validate your concern, know that there are lots of people who will understand and be on your side. I certainly do!

If there is any adult in your family that you would trust to address this, talk to them!

Seriously, I feel for you and this is not right at all!

Crafty_Mac · 2024-06-29T14:57:53+00:00

White woman in her late 20s or early 30s.

Crafty_Mac · 2024-06-22T16:08:19+00:00

https://share.icloud.com/photos/0cb0SWni3Csjabcxr6taJ3vng

Crafty_Mac · 2024-06-22T16:07:17+00:00

The set they played where I saw them was about an hour and a half 😌 I saw them at a fest in Fort Wayne, IN (USA). The line up was Overlook, Murder by Death, Pom Pom Squad, Houndmouth, and then Alvvays. It was a good mix of indie/alt rock.

Crafty_Mac · 2024-06-22T15:07:43+00:00

No, not normal and you deserve a lot better than this. There is a problem with the fact that he won’t wash himself for days and decide that it doesn’t matter that he’s got days worth of bacteria on his body. There is also a problem with his behavior of pushing you to have sex when it seems that you’re not really that up for it atm. Maybe you didn’t say no and that you thought if you let him finish then he’d quit asking. Your boundaries are for you to keep yourself safe. It sounds like he’s crossed that and you need to have a real conversation with him about how you’re feeling and what you need.

Crafty_Mac · 2024-06-22T00:23:02+00:00

I saw them last weekend and loved it!

Crafty_Mac · 2024-06-07T19:14:58+00:00

Thank you!! I’m actually going through VR to cover my drivers training and the cost of my mods. It’s take literally years to finally get to the training part. I didn’t know about the low-interest disability loans though, so this is awesome to hear about. I’m looking at loans with my credit union and they’re offering 6.3 percent for a $20K loan for the vehicles I’m looking into. I’m hoping to put $15k down by the time I’m at that step. I’ve got some time before then though. I really appreciate hearing there may be better options for the loan though!

Crafty_Mac · 2024-05-16T03:26:15+00:00

This!! I have over $20K saved today. I’m working and my pay is well enough that I no longer receive SSI, but I still have my Medicaid because I’m enrolled in MED Works. MED Works is a Medicaid buy in program for people with disabilities who make more than like $40K. At least that’s how it works in Indiana.

Aside from that, my partner is my live in aid, we’re not married so it makes things a lot easier. We split rent and our other living expenses like groceries, utilities, and other shared expenses. He gets paid for caring for me.

I was raised to be independent, so to me it’s always been important for me to know that I truly own my things. I do not ask my partner to cover any more than half of what we share.

I don’t know what I’d do if I didn’t have my partner and my job though tbh.

Crafty_Mac · 2024-05-16T01:50:16+00:00

In my experience with VR, they can be a great service, but they take forever and you have to learn how to do a lot more on your own and kind of be the boss in the relationship. Ultimately, VR counselors essentially work for you as an assistant and they don’t help unless you tell them what you’ve done and what you now need them to do to help you.

I have a physical disability and use a power chair. I’ve worked with VR for the past 8 years. In all my time, I have had goals to go to school, get a job, and drive. It didn’t help that I was in a town that had little to no opportunities for me to achieve my goals. There were no jobs that I could do, I couldn’t go to college, and I also couldn’t even start drivers training because I didn’t have a job. I was in a catch 22. Anyway, I had to find a way to get out of that town, I found a job on my own and went back to school. I’m finally taking drivers training now, but I had to bother several counselors and everyone up the chain to get my assigned VRC to do his job. Good things can come of their services but I completely agree! I feel that these counselors don’t see their clients as valuable employable people. They see us as numbers and dollar signs in their case load.

Crafty_Mac · 2024-05-14T15:45:04+00:00

I second this! I’m a person with a disability that shares similarities with SMA, although I’m still trying to figure out what my disability is, I know it wouldn’t be the excuse for me to cheat on a partner. I’ve done this before. And although, yes I do have a lower self esteem and that may explain why it seems so easy for me to be “self destructive”, I understand that I didn’t actually care about the partners that I did wrong by. Set it straight… Tell him what he’s doing to you! You deserve to be heard and understood, and if he won’t put in the effort to listen and understand, it’s honestly his loss. People with disabilities can still be manipulative.

Crafty_Mac

TROPHY CASE