I would like to start off by telling you a little about my self. I am 48 years old. I am the mother of a very active two year old little girl. I am on SSDI due to a major back injury at work almost 8 years ago. I worked for the State for 16 years taking care of mental handicapped adults with severe behavioral issues. I loved my job and miss it everyday. I was devastated to learn I would never work again. Due to the loss of my job and waiting for Social Security my home was forclosed on and at 40 years old I had to return home to live with my parents. However, it was not a bad situation. It kinda helped out my aging parent being as they had a house full of teenagers. My parents decided after 23 years to start over raising kids. They actually adopted 7 kids from The Department of Children and Families. 5 girls and 2 boys. All only one year apart. In addition, the last one is autistic.
So a couple of great years past and things were fantastic. Then tragedy struck. Our mother unexpectedly passed away due to fast growing cancer tumor. She was a stay at home mom and a had no life insurance. This took all of us by surprise because there was no sign of cancer nor was she ever ill. But my father took it the worse. He and my mother were high school sweethearts and were married over 50 years. He has never been without her and fell into a deep deep depression and stopped taking his medications because he just wanted to go with her. Now with myself being disabled and my siblings much younger than myself caring for dad was hard. And we failed miserably. Dad became unable to complete simple basic living skills and ended up in the hospital. After a month or so in hospital he was send to rehab. After many discussions it was determined that he needed to go to a nursing home. I never in a million years would have thought I would put either of my parents in a home but for his health and safety it was the best decision.
The reason for this post is my father’s carr at the nursing home is expensive. I did not realize his insurance only covered 100 days in a nursing facility. As of date we owe $15,000. He doesn’t qualify for Medicaid and he has to go to private pay. I am raising five of my siblings and my daughter on my disability check. I have no extra money. I have no savings. I don’t even have a car. And the house that we all live in is in desperate need of a few repairs. The roof leaks and the floors in the bathrooms are weak and needs to be replaced. I have tried taking out home equity loans. I’ve tried personal loans. But due to my credit I don’t qualify for either. I just need help to keep my family together and safe.
Thank you.
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