Being Disabled, SSDI, and Finding Freedom from Financial Insecurity

Events that Led to My Experiencing Financial Insecurity and How I Found Freedom from Financial Insecurity

In my experience, I grew up with an invisible disability. I was subsequently unaware of the impact that the invisible disability was having on my financial security. For many years I had the experience of getting and losing jobs, both non-professional and professional jobs.

Although I Diligently Applied Myself

Although I diligently applied myself academically (obtaining both my undergraduate and my graduate degree), had a strong work ethic and lived within my means (frugally and with prudence) I had and experienced ongoing financial insecurity.

I applied for SSDI (Social Security Disability Insurance in Florida 2 times, but because I was making more than $500 a month, my 2 applications were denied.

To make a Long Story Shorter

While working as a vocational  rehabilitation counselor with the department of voc rehab in Florida, I was made a client of the department of voc rehab there in Florida. I went through the process as a client, but my job placement was unsuccessful. Several years later, I was recruited by an insurance company in North Carolina, to work as a Certified Rehabilitation Counselor in workers compensation. Four months later after moving to North Carolina and starting the job, I was told that the insurance company no longer needed my services and I was terminated.

Determined to Be Unemployable and My 3rd Application for SSDI Approved

After being terminated, I filled out my 3rd application for SSDI and applied for services with the Department of Vocational Rehabilitation here in North Carolina. After completing the evaluation process with the Department of Vocational Rehabilitation, it was determined that I was unemployable. Shortly after being determined to be unemployable, my 3rd application with the Social Security Administration, my 3rd application was approved.

How I Stopped Feeling Financially Insecure

After my 3rd application was approved, to begin receving SSDI, I saw a light at the end of the proverbial tunnel. I determined to establish a way that would set me free from the burden of  financial insecurity. The financial insecurity that I had experienced for nearly 30 years of my adult life. In January 1999 I began receiving SSDI.

Solution to No Longer Experiencing Financial Insecurity

Based on a budget that I saw my Mom had set up for herself, I decided to adapt her system and set up a budget for myself. In January 1999, I established that budget for myself.

 A Strategy to Remove the Burden of Financial Insecurity

In July of  2012, I wrote an article to share what helped me to stop living in financial insecurity. The article:  How to Manage Money while Living on SSDI — Social Security Disability Insurance. In the event that you are living on a monthly SSDI check and are feeling financially insecure, I would invite you to read what helped me to stop feeling financially insecure.

A link to the article that helped me to stop experiencing financially insecure

   How to Manage Money while Living on SSDI — Social Security Disability Insurance

You are Not Alone

As you read through the article and questions come to mind, please send those questions to me. All questions are good questions and welcomed. You may send questions or comments to me by seeing below this article. Leave your question in the comment section. Thank you.

More About my Process and Journey

To read more about my process and my journey, you may click on this link: My About Page

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