how do you go about trying to get govt help I am 53 and never had any help but have now lost my business and all savings including ins. I need to see a doctor as I have artificial knees but dont know what to do. If you do not have health insurance through your wife's insurance, and if she is not willing or able to get a job where there is group insurance offered (even if employees must pay part of the premium, it is a great idea to take such a job because then YOU can have insurance, no rejection)... But if that isn't happening, I would urge you to see if you can get state medical assistance for now - go to your state assistance office, often known as the welfare office, likely in your county, and see if you can qualify - if the family income is low enough, you may. But, as for the rest, I think you may want to consider filing for Social Security Disability. If you have been paying your self-employment taxes all these years, you are surely "insured" for SSD still, as it tends to last up to 5 years after we stop earning and paying those taxes. If your knees AND any other impairment you may have (could be arthritis, etc.) prevent you from being able to hold any job (not just the kind you had), perhaps because you can not stand/walk for up to 2 hours a day (needed for even a sedentary job), or you can't sit for up to 6 hours/day (generally needed for most sedentary jobs), or your fingers have pain, or your back also hurts badly if you sit more than 1/2 hour, and limited during day's total... etc. - it may be that you literally can not DO any job full time (8 x 5), even the most simple and sedentary. If you believe that to be so, I would urge you to apply for SSD (social security disability insurance benefits). You can start by applying at ssa.gov - click on the Disability Tab at the top. If you want, or find you have trouble, or get denied at first application - you would likely be best off by hiring an SSD attorney. There is typically no retainer, and any fee is typically contingent on winning, is a piece of back benefits, and doesn't typically effect future months' benefits. Ergo, a no brainer for the strongest possible chance of winning. That being said, there is no law requiring you to use a professional.
where do i start SSA.gov!
I am married but wife makes less than 20k a yr You likely won't be poor enough for SSI, the welfare program that the social security office handles (although it is not Social Security, it stands for Supplmental Security Income), but SSD is not welfare, so it is not needs based, and you can be wealthy and still have those benefits. After you win, you will become eligible for Medicare, should you want it,although there may be a waiting period of 24 months after the month you are first entitled to cash benefits.
I would start the Application today - this is because if you became unable to work more than 17 months ago, each month you delay is a month of back benefits you can NEVER get when you win. They scroll off the board, so to speak. They only pay 12 months of benefits for months of disability that took place before you applied. And since the first 5 months are a waiting period of no pay, you can go back 17 months (but paid for 12).
Hope this helps! And I with you the best -
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