Showing posts with label EI. Show all posts
Showing posts with label EI. Show all posts

February 10, 2010

Juggling through disability

Strangely, this photo came up when I googled cat juggling - and yet....these are dogs....
Sortof speaks to my experiences (long and ongoing) with disability. Here's the latest:
For good or ill, I have been approved to get disability through Canada Pension Plan. This tells me that yes, I am disabled (every time someone tells me this I grieve the more...) but it means I get a certain amount of money through our social security system.
Do I see it?
Nope.
It goes to my long-term disability provider (insurance from work), so I am no further ahead.
Oh, and because I received the abysmally low "Employment Insurance" for a couple of months while waiting for the somewhat more tolerable disability insurance (a whole $1700 a month for EI, about twice that for disability, thank heavens), I may have to pay some of that back thanks to being approved for disability.

Good news is, I can earn SOME money on CPP disability - up to a whopping $4000 a year. Bad news is, I can't on my work disability. They would prob claw it back.

And biggest treat of all, the whole mess is taxable! Hoo hah! So if I ever step just that little bit ahead, I am totally screwed. I'm close enough to the tax cut off where any extra money means another percentage being taken off.

I'm puzzled. Everyone KNOWS that people with disabilities such as MS have the prospect of increasing disability and expenses hanging about all the time. It doesn't kill us, but, like giving up cheese and chocolate and wine to benefit your heart, MS just makes life seem longer.

Seemingly much longer if I can't work. Or increase my income in any way without penalty. Here in Canada, we can't write off our mortgage interest, so even buying a home is a problem.

So it is a bit like trying to juggle cats, only to find out they are dogs after all....

March 25, 2009

Life from the slow lanes - or guess when you are getting payment?


Oh, I am giddy. Totally giddy. First of all, I am applying for Employment Insurance during the worst recession we've had in years. Timely resolution of my case is highly unlikely. When I call the EI offices, I get: "Our call volume is high, please call back later" after which their automated call system hangs up.
And supposedely I am on EI for the next 4 months, at a whopping $440 a week. After the four months are up, I am supposed to be eligible for LTD. But my advisor there tells me there is often a 2-3 month wait while they clarify the doctor's diagnosis, etc. And I will also have to pay for my own health insurance, at a rate of $130 a month or so.
Plus, the health insurance doesn't cover all my medication costs (my MS drug costs $1400/month and it covers less than 2 doses, even if I pay for the most expensive coverage).
Meanwhile, I still haven't sold my house, still haven't been able to retun my car lease (needs more forms and approvals signed etc, etc) and on and on.
It's getting pretty grim. I was giggling helplessly on the phone with the insurance lady who thought it was great I had such a sense of humour!
And then she said, "Hope you feel better soon!"
I said, "Hey, that's the thing. I'm not ever going to get better. It's downhill from here."
Her response? "Well, it's good you can be up about it. The attitude will do you well. It's better than all those grumpy ones who call in..."
Endeavoring to be cheerful as I chow down on macaroni..