Four massive expenses that disabled people are stuck with
Changes To The Home
Homes are rarely accessible when you first move into them. It’s likely that you’ll need some modifications, some big and some small, if you have a disability. And the real bummer? A lot of times insurance will claim it’s a luxury and refuse to cover it. It could be a stair lift for when your pain levels are too high or if you’re unable to walk like me. Or, you might need to have a ramp added outside your door so that you can easily access your home.
You might even need to make some smaller changes like the furniture in your house. You might need to have a new sink faucet or new doorknobs. There are a lot of changes that could potentially need to be made, and this can get super expensive real fast.
The medical bills can be enormous, and I think we all know this isn’t an exaggeration. Depending on what issue you might be facing, you could be looking at medical bills in the tens of thousands. This might mean fighting with insurance. If someone else is at fault for your injury, it could mean talking to a firm like Brauns Law, who can help you figure out a gameplay to seek damages. Or, it could mean that you’re just one of the lucky people saddled with a lifetime of debt.
A lot of disabled people require constant medical care, whether that means therapy, medications, surgeries, or appointments with specialists. Even though these things might be 100% vital to someone’s survival, that doesn’t mean they’ll be covered even if they have insurance. For those who don’t have insurance or can’t get what they need through their plan, it could mean trying to go without and suffering the consequences so they don’t go bankrupt.
Take me for example. I can’t live my life without a wheelchair, and I also can’t afford a wheelchair. My current chair cost over $20,000, and I’m supposed to get one every 5 years or so. Plus, I also had to have my van modified with a lift and lockdowns, which my family was lucky enough to have paid for us through Voc Rehab.
In my house, I need things like a hoyer lift and a shower chair. None of this equipment comes cheap, and if/when insurance doesn’t cover it – it’s on you. Because a lot of times it isn’t optional. There’s someone with a gofundme every day for a new wheelchair. My friend Sarah had to buy her own crutches. I’m privileged because I have the equipment I need, but not everyone does. No one should have to choose between a mobility aid they need or being able to pay their rent.
Time Off Work
Some disabilities might mean you miss work often. It could be because you have to recover from an injury or just because you get sick often. Even with a perfectly justifiable reason to call out, not every employer is understanding and this means a lot of disabled people are at risk to lose their jobs. This is one of the costs that we feel the hardest because there is nothing you can do except return to work and let your health suffer or lose the income you need to survive. Neither option is exactly what I’d call acceptable.
These are just handful of the expenses that disabled people disproportionally face when compared to abled people. Often times, they’re more than an unfair burden. They’re a lifelong struggle to keep up with. That being said, I hope that you’ll keep the disabled community in mind when voting! Things can change, and they should.
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