Type of disability financal benefits are there out there?
So I'm in some cross roads right now. Like if I get kicked out of my parents place then I 100% would go homeless and die. However, I honestly am not sure I could realistically hold down a job more than an hour or 2 a day IF THAT due to my current mental state. Long story short, I went through 4 degrees and a ton of other things. I'm currently going through family stuff. And just looking at a job to apply, it gets me suicidal to the point I lean towards just ending it by far.
While I don't think there is a chance I will get kicked out anytime soon. I've been looking up disability benefits.
Anyways, I'm in the USA and the only disability benefits economically speaking I can find for someone who is autistic is SSDI and SSI. SSDI requires 5 years of work out of the last 10, and it looks like autistic people have a low chance of getting it to start with. SSI at max pays $750 a month, and it has a asset cap of $2k or $2.5k. Those numbers haven't changed in almost 30 years.
The sad thing is when I went looking. It looks like the far far far majority of the info out there is if the child is autistic. But none of it really gets into what happens if the autistic person is an adult. But the following will show you how jack up the system is.
> Even a small inheritance can disqualify an adult or child from eligibility for SSI or Medicaid, so all
relatives should be asked to refrain from leaving money or assets to your child with autism in their will.
> Most adults with autism will not qualify for SSDI benefits because they’ll need to have worked in the past, and because autism is congenital, it won’t “worsen” over time and render someone unable to work midlife.
Both I don't qualify for. I actually saved up all my money over the years and I have over the cap for SSI. And for SSDI, I haven't worked enough.
Am I missing something? Like is there others I could be looking at?
Also, if you're in another country list what you have. It might help someone who comes across this.
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NOTE: For those of you who might look at me being a scum for asking for a type of UBI or whatever without working for it. I have tried many many many many times, and at one point I was paid $8 A WEEK to clean up actual s**t, clean bathrooms, and do a number of cleaning jobs.
Also, there is numbers like 85% of us with a degree is unemployed. Even if you lower it by 30% that is a flip of a coin if you will be unemployed with this. And many of us that can get a job will NEVER be able to get insurance or retirement because most likely you need to say "do you want fries with that" during some part of the job. So we are damn because most of the hiring world doesn't want us, and getting fired is kind of super super easy for us. And we are damn because our only choice is to be living under someone's care to an extreme or be homeless. Most don't have families that can support them, and this is why in the UK and other places they found in some areas 65%+ of the homeless are autistic.
If you are in the USA there are many helping agencies, you will find more in larger cities and places with larger populations. You can go to social security pages on line and see what you must do to qualify for Social security programs. Our daughter was originally on SSI and when her father retired, she was able to get support from his work record and now is on SSA disability benefits through him. If your parents have been working steadily and have access to social benefits, you may qualify for some support through their work history. Besides social security programs there are also usually state or county level programs for housing, access to work, counseling, food cards, all sponsored by the government, and some by independent charities. Churches and other groups also have programs available to help troubles with homelessness, being hungry, needing clothing or help with many other things. It is good that you are thinking ahead. You may be able to check with local social services office and get assigned a social worker to help you access the supports you need. If you have not learned basic skills such as house keeping, cooking, finding transportation around your area (bus, train, taxi, whatever means you will use) or things like making a budget, balancing a check book, grocery shopping, meal planning, etc. Now is a good time to learn. Prepare to succeed... things will be far less stressful in the future if you prepare yourself ahead of time. (now)
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https://oldladywithautism.blog/
"Curiosity is one of the permanent and certain characteristics of a vigorous intellect.” Samuel Johnson
The problem with me joining the SSI is I have way more than enough money to disqualify myself from it. I've been able to earn money through small time trading in the stock market, selling things on places like Etsy, YouTube, jobs, and so on. Like I don't have retirement money or even enough to last me more than a few months.
But I have well more than enough beyond the $2k or $2.5k asset limit.
But as far as jobs, getting and keeping jobs is a problem. I think I only quit 1 job and that was by force from the employer themselves. But the rest I was fired. But it should be noted some of the jobs they cut my pay down to $8 a week. I actually dealt with it since I was in school at the time and didn't know they used laws to abuse me by being able to underpay me by using my disability against me. I agreed to it because they told me a made up story on how the company was hurting.
Anyways, I don't qualify for SSDI because I haven't worked a job on paper in a number of years. And what I did was a few months or days here and there. The shortest job I ever had was 1 hour. And that was because the manager told the plant manager I am autistic, and they didn't want me. I've talked to lawyers about it, but they said it's virtually impossible to win since they can lie and there is no paper trail to know of.
By SSA I'm assuming you're talking about SSDI. SSDI keeps showing up when I Google SSA. My parents aren't retired but they are highly against government programs like that. So I don't think that would happen.
As far as being able to take care of myself (cook, clean, etc). I already know how to do this. Like because I'm staying free with my parents, I actually cook, clean, and help out in any way when it comes to that. And I know how to make a budget, and so things of that nature. So the fundamentals more than less are there as far as I can tell. The problem is, when it's near impossible to hold down a job or get one and then there is statistics like 85% of college educated autistic people are unemployed. It's kind of worrying.
I'm still trying because I don't know what else to do. But, it feels almost pointless at this point and I need to start looking at what if this is the best it will get in the current society we have.
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