Showing posts with label Families. Show all posts
Showing posts with label Families. Show all posts

Thursday, February 7, 2013

Home Phone Service Discount for Low Income Families

Most people are aware of government assistance programs like Food Stamps or Medicaid but did you know that there is an assistance program for your phone service? Lifeline is part of a program administered by the Universal Service Administrative Company (USAC) that provides a subsidy in the form of a discount on your phone service. Lifeline will save you at least per month but typically reduces your phone bill by over .50. In addition to the monthly savings, there is also a benefit called Link-up that will pay half of your activation fees, up to .

With sustained U.S. unemployment rates above 9% for over a year now, it's not surprising that the number of Americans receiving food stamps is over 40 million and is expected to keep rising. Medicaid recipients total over 50 million. If you're one of these people, you are qualified to receive the Lifeline discount on your phone service.

Food Stamps and Medicaid aren't the only programs that qualify you for Lifeline assistance. Some states follow federal guidelines while others have their own rules. The Federal guidelines require that your total household income does not exceed 135% of the Federal Poverty Guidelines, or that you're enrolled in at least one of these programs:

Home Phone Service Discount for Low Income Families

* Medicaid
* Food Stamps
* Supplemental Security Income (SSI)
* Federal Public Housing Assistance (Section 8 housing)
* Low-Income Home Energy Assistance Program (LIHEAP)
* Temporary Assistance to Needy Families (TANF)
* The National School Lunch Program's Free Lunch Program

Now that you know you qualify, how do you get it? It's easier than you might think. You don't have to go to a special government office and meet with a caseworker. You don't have to change phone service providers if you currently have service. If you currently have home phone service, call your phone company and ask to be put on the Lifeline program. They'll typically ask you to fill out and sign a simple form which you'll need to fax or send to them. The form typically asks for your name and address, and which of the qualifying programs you're enrolled in. Your signature is stating that you are telling the truth. Some states also require some form of proof of the qualifying program like your award letter.

If you don't have working home phone service, check your yellow pages for a local phone company and ask them about their Lifeline home phone service. All of your major carriers like AT&T, Verizon, and Quest offer it as do most of the Competitive local exchange carriers (CLECs). Don't worry about your credit history. If you're eligible for Lifeline, you aren't required to pay a deposit if you're willing to let the provider block any toll calls from your phone. You'll still be able to make long distance calls using a calling card or some other prepaid service.

The Lifeline discount is applicable to just one phone line per household. And, the Link-up subsidy is a one-time benefit. So, it's not a good idea to keep changing providers since you'll only get the discount once. You may get away with receiving Link-up more than once by going to a different carrier but it's not legal for you to do so and the form that you sign to get started is your statement that you've never received Link-up before.

The Lifeline benefit can be applied to cellular service instead of home phone. There are a few cellular service providers that offer a "free government cell phone" which is actually the Lifeline program. It typically gives you between 60 and 200 minutes of service per month and a free handset which is your Link-up benefit. But, you can't get the Lifeline benefit for your cell phone if you're receiving it on your home phone, and vice-versa.

So if you're one of the over 50 million Americans receiving government assistance, call your phone service provider now and ask them about Lifeline home phone service.

Home Phone Service Discount for Low Income Families
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State Lifeline Guidelines

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Thursday, January 31, 2013

Sibling Betrayal and Estrangement in Dysfunctional Families

Recently, I found myself sitting with a patient Elsa, who was crying inconsolably in my office. It turns out that her sister had stolen her inheritance out from under her. It wasn't the loss of the money that was devastating her, however; it was the shocking betrayal by her only sibling.

Elsa's sister Joyce had gotten their dying mother to change her will at the last minute, leaving everything to her. Their mother had been ill for a long time and Joyce had found a way to convince their mother that she and not Elsa really needed and deserved the substantial inheritance.

During our session, Elsa kept repeating, over and over, "I don't understand how she could have done this. I don't understand why!" Although they had never been close and in fact, had only seen each-other at family gatherings for the past several years, Elsa didn't think that there was any animosity between them; certainly not enough to cause Joyce to do such an awful thing.

Sibling Betrayal and Estrangement in Dysfunctional Families

Despite the fact that Elsa was utterly confused by her sister's behavior, I understood it all too well, as it was representative of a pattern of sibling behavior that I'd observed many times before. I have heard dozens of similar stories where one adult sibling turns against another, shocking and horrifying the person who never would have expected their sibling to stoop so low. The betrayal was almost always having to do with money of inheritance, and it always arose from a particular type of family dynamic.

Elsa and Joyce had grown up with parents who were extremely involved in the successful family business and very neglectful toward them both. From early on, the girls had had to learn how to fend for themselves. Elsa was older than Joyce by two years and had taken almost a parental role with her, helping Joyce with her homework and listening to Joyce's hopes and fears. Despite this, they weren't really close while growing up; having very separate activities and groups of friends.

When they married, they grew even further apart but were always cordial when they saw each-other at family holidays and events. This is why Elsa was so surprised by Joyce's seemingly inexplicable behavior around the will. What Elsa couldn't know is how the siblings of dysfunctional families tend to end up at odds with each-other.

A dysfunctional family is one in which there is either abuse, neglect or both going on. The adults may not get along and might expose their children to terrible arguments or even physical fights. Conversely, the parents might be allies who care for and protect each-other at the expense of their children.

In a dysfunctional family, the parents are inadequate or abusive. As a result, there is not enough love available for the children. Sometimes there's no love at all. This sets up an unconscious competition between the children for whatever love might be available. During childhood, one child might ingratiate themselves to one or both parents in an attempt to get some attention from them. They are simply doing their best to survive in an environment deficient of the emotional necessities of life.

Joyce was one of these children. Despite professing to Elsa on numerous occasions how much she despised her parents, around them she was sweetness personified. Elsa had a different way of coping, preferring to find emotional support from her teachers at school, her friends and her extended family.
When they grew up, Joyce maintained more of a close connection with her parents, while Elsa had moved to a different city and had pursued fulfillment in her new family and in a meaningful career.

What Elsa didn't realize, as she was getting on with her life, was that Joyce was secretly resenting her for having received more than her fair share of their parents' love. Although this was in no way true - neither girl had received any love, really - Joyce had convinced herself that since she hadn't been adequately loved, Elsa must have been the one receiving all the love in the family.

Psychologically, this phenomenon can be explained by the fact that even for an adult, it's extremely painful to face the truth that your parents didn't love you (enough). It's easier to blame your sibling, accusing them of taking all of the available love and leaving you with nothing. Paradoxically, it's the individuals who were doing their best as children to curry favor who most often feel this way, as opposed to the ones who were looking for emotional fulfillment elsewhere.

In a dysfunctional family where none of the children are getting their emotional needs met, there is often one child, like Joyce, who tries their best to get their parents to pay more attention to them. This child sets up a competition between themselves and one or more siblings. Even if the other siblings are unaware of the competition, they've been entered into it by default. Every time the actively competitive sibling (Joyce) fels deprived of love, she imagines that her passive competition (Elsa) has stolen it from her.

The problem is that no matter what, currying favor with the parents is a no-win proposition: if the parents ignore the child then she feels even more hurt and deprived of love; if the parents do give the child more attention the child nevertheless feels deep-down inside that still, there is no actual love coming to them but rather, attention born of parental self-interest.

Joyce had (consciously or unconsciously) decided that since she'd never felt loved despite all her attempts to get love, it had to have been Elsa who'd received all the parental love. The resentment percolated within her over many years until their father had passed away and their mother lay dying in her hospice bed. Elsa hadn't visited very often because when she did, her mother talked only about how wonderful Joyce was. It was clear to Elsa that she and her mother had no relationship and apart from doing the right thing by visiting her occasionally, Elsa had no interested in spending time with a virtual stranger.

No matter how much their mother praised Joyce and ignored Elsa, however, Joyce felt like the deprived child and saw Elsa as the "spoiled" one. Elsa, on the other hand, because she had given up on really getting any parental love years ago, didn't feel like she was competing with Joyce, and although somewhat estranged from her, felt no resentment or hostility toward her sister.

Paradoxically, the child who is more able to recognize that her parents don't have enough (or any) love to give is the one who ends up somewhat better off, because they're not constantly frustrated in their attempts to get it, and aren't expending energy, vying with their sibling(s) for it.

When her last remaining parent was dying Joyce went into a panic. The prospect of losing her mother also meant losing her last chance to finally obtain parental love. Her anxiety quickly turned to desperation, and her brewing resentment toward her sister finally erupted in her betrayal of Elsa.

Money most often is the substance which becomes the substitute for parental love, and it was no different for Joyce. At the prospect of losing the chance of ever receiving her mother's love, she unconsciously transferred her need for parental love onto the need for parental money. In her desperation for love, she found a way to talk her mother into giving Joyce the money. Taking all of it was meant to psychologically remedy her feelings of deprivation and jealousy toward her sister.

Unfortunately, this too is a no-win situation. Elsa feels deeply hurt and even more disconnected from her sister, and Joyce, whether she realizes it or not, will never find happiness or fulfillment with her mother's money. In reality, there's no way that it could compensate for the love that was never there.

In a dysfunctional family where the natural resource of love is scarce or absent, the children end up in a competition by default for this necessity of life. This turning of erstwhile allies and best friends into competitors is sadly, the inevitable outcome of the dysfunctional family, and the classic low point usually comes when the last chance for love is about to disappear.

In a panic, the actively competitive adult child (in this case, Joyce) enacts a terrible betrayal upon her passive competitor (Elsa), stealing the money which has come to stand in for the lost love. The betrayal serves to destroy whatever tenuous connection might have been there, alienating the siblings forever.

This tragic outcome demonstrates that the legacy of the dysfunctional family is not just the emotional trauma caused by parental abuse or neglect but also and significantly, a toxic disruption of the normal loving bonds that siblings would otherwise share.

(C) Marcia Sirota MD 2010

Sibling Betrayal and Estrangement in Dysfunctional Families
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Friday, November 23, 2012

Financial and Medical Assistance for Families with Autistic Children

Having a child with Autism can be financially draining for the family.
Insurance is expensive and some insurance companies do not allow predisposed conditions in their coverage.

The cost to a family who have children with Autism can be staggering . Between treatments, specialized child care (if both parents are employed), or lost income, not to mention any medical conditions associated with their Autistic child, the cost is estimated according to channel 7 news to run over 3 million dollars for the lifetime of the child.

Trying treatments to relieve the signs and symptoms of Autism have to be borne by the family as no insurance company will pay for any treatments that are not approved by a physician.

Financial and Medical Assistance for Families with Autistic Children

There may be some financial relief for some families who have children with Autism. A way for them to receive free medical care and some help with supplements and basic needs.

As soon as the diagnosis of Autism is received from a Doctor or Psychologist, the family should contact Social Security to obtain medical assistance for their children with Autism.

The paperwork can be lengthy as is the waiting for determination, but the long term benefits can be worth it.

They will require confirmation of the Autism diagnosis from the physician. In addition they will send you forms to fill out which basically tells them what the functioning ability of the child with Autism is.
Questions include safety issues, social issues and basic activities of daily living as well as attestations as to the Autistic child's social skills and mental capacity.

They will also require the same form to be completed by another person, preferably in a teaching or care giving capacity that echoes your assessment of the child's abilities.

Determination is not made on the diagnosis of Autism, but rather on the level of functioning that the child can achieve.

The monetary compensation is calculated on the family's income and is paid monthly to the child if capable mentally and is of age, or to a surrogate, usually the child's parent or caregiver.

If Social Security does approve your application for medical assistance for your children with Autism, this automatically puts them on Medicaid which can be a lifesaver for parents who are struggling to find adequate insurance coverage.
Medicaid also pays for incontinence products and for those that live in an area where this is available respite care which can help relieve a little of the stress associated with raising an Autistic child.

It is definitely worth the time and energy to apply to Social Security for medical assistance for your Autistic children as it can help relieve the financial burden that you will carry for the years to come.

Financial and Medical Assistance for Families with Autistic Children
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Financial assistance for families with Autistic children may be obtained, you just need to know where to look for it. Visit us at http://www.howdoiknowifitisautism.blogspot.com for a little light at the end of the tunnel. Written by Donna Mason, the mother of 3 Autistic children looking for a way to survive and help her children.

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