Yesterday was my husband’s birthday. We had a family get-together at his mother’s house to celebrate. There were 12 people there, two of which were kids. We brought Achilles with us because we didn’t want to leave him home alone. Everyone absolutely loved him! All he did was lay down, sleep, and give people kisses. He is the most mellow dog I have ever known.
I’m actually thinking about seeing if I can register him as a Therapy Dog. I’m not sure what kind of therapy dog would help me the most; maybe an ESA, Emotional Support Animal, or a Psychiatric Service Dog. He would be great at it, and I think it would really help me reduce my anxiety to a manageable level, possibly. It’s something that I’m going to talk to my therapist and psychiatrist about the next time I see both/either of them.
The Psychiatric Service Dog seems like it would be more helpful for me. This type of service dog can help people with depression, anxiety, and PTSD, and I am diagnosed with all of those issues. For example, the service dog can create a physical barrier between the owner and others around them, providing the owner with more personal space. The service dog could help me get out of the house more often. These are things that my husband does for me to get me out of the house. Having a dog capable of those things could really get me out into the world.
Being on disability is not easy. I’m on it because of my bipolar disorder, PTSD, and borderline personality disorder. As most of you know, dealing with the effects of these mental health disorders is difficult and exhausting. I have so many doctor appointments to manage. Going anywhere new is extremely difficult for me. In fact, my husband has to come with me whenever I go somewhere for the first time because I’ll have a panic attack. I don’t do well dealing with new people, specifically physical contact, I think that is from the PTSD. My social life is small because it’s difficult for me to meet and connect with people. I also struggle to keep in contact with the friends I already have because of the depression.
I wish I could contribute more to our financial status, instead I contribute in other ways. I keep myself busy managing my life and my husband’s life. I don’t know if my bipolar disorder will ever be stable again. It hasn’t been stable since 2009. I don’t know what my future holds, but it doesn’t appear to be a mentally stable state.
I’ve been on Medicare parts A, B, and D since 2011. I receive these benefits because I’m on Social Security Disability. Part A is hospital insurance, Part B is medical insurance, and Part D is prescription drug insurance. My medical co-pays have gotten to be way too expensive. I am working on picking out a new prescription drug insurance plan and possibly a Medicare Advantage plan.
I tried to look things up online, but I was very confused because there was so much information. I called a woman whose job is to help people figure all of this out, and she was fantastic. She answered all of my questions and will be mailing me more information. I’m hoping that I will be able to find the right plan for me.
The one thing that sucks is that the only other medical insurance I can get is a Medicare Advantage plan, which for me, they are all HMOs. I don’t know if I will be comfortable with a HMO. I will do a lot of research and find out what plan is best. Maybe there is a plan that has all of my current doctors ‘in-network’. I’ll probably do the research tomorrow, I’m pretty tired tonight.
A couple of months ago, someone told me about Total and Permanent Disability (TPD) Discharge. This was being done my the Department of Education and the Federal Student Aid Office. Basically, if you fit the requirements, then you can apply to have your student loans forgiven. I’m ecstatic about this. I have $48,000 in student loans, and all I can do is pay off the interest, which keeps building. I think this TPD program is amazing.
Normally, I don’t qualify for any programs that would help me out, but this time I do. The requirement that I fit is that I’m on Social Security Disability and I have been on it for at least 60 months. In fact, I have been on disability for 78 months, since December 2009. Wow, it’s been a while, I’m feeling fairly pitiful right now. Anyway, my psychiatrist filled out the physician’s certificate and I filled out the rest of the paperwork. I’ve been trying to get this done for two months now and I finally got myself to finish it. Hopefully, they accept my application. I’m considered totally and permanently disabled; maybe that can work in my favor.
Check out this program, maybe it can help some other people as well: TPD Discharge
Nelnet, Inc. Total and Permanent Disability (TPD) Discharge. Federal Student Aid. U.S. Department of Education, 2016. Web. 14 June 2016. <https://www.disabilitydischarge.com/>.