Attempted to have a conversation with bf last night regarding my current situation.
I've pointed out that:
(a) he works full-time, even overtime, and that he has to be earning MORE PER WEEK than I'm receiving in my pension in a month;
(b) I was recently informed, by the Office of Personnel Management, that I will NOT be receiving a cost of living adjustment to my monthly Civil Service pension;
(c) BOTH my mortgage payment and condo fees INCREASED which takes most, if not all, of my monthly pension;
(d) my medical bills continue to INCREASE in spite of the fact that I'm also paying for health insurance;
(e) I'm in the process of trying to refinance my mortgage to attempt to lower the payments. However, the closing costs will leave me NOTHING for food and medicine or other bills until my next pension check arrives for February especially since the bank has been jerking me around since this past August LOSING my paperwork at least TWICE, forcing me to pay faxxing costs that I really could NOT afford to send the required paperwork AGAIN and AGAIN;
(f) I have NO savings account left as it is now DEPLETED and GONE;
(g) I CANNOT touch my Traditional IRA until I'm 70 1/2 and I'm too young to apply for Social Security and/or Medicare/Medicaid. There's a STRONG possibility that I may not be able to qualify for Social Security anyway because I worked so long under the Civil Service Retirement System and my pension might be slightly too much to allow me to even qualify for Medicare/Medicaid. I've already attempted to apply for SSI and SSDI only to be informed that I can NEVER qualify for either of them because my pension is slightly too high. I told him that the bottom line is that he needs to help more given my current situation and NOT being self-employed yet. I also pointed out that IF my business does manage to get off the ground, there is NO guarantee that I will be able to earn enough to cover all necessary expenses every month. I've already been placed on the various budget plans for utilities such as electricity and natural gas but they also continue to increase. I told him that I have NO idea where else I can turn to for any kind of public assistance given my situation as my pension is just enough to disqualify me from various programs but it is NOT enough to cover my required living expenses of keeping a roof over my head, food on the table, and taking care of my various health issues which require EXPENSIVE medications. Vocational Rehabilitation has not been able to find any appropriate employment for me because of my age and multiple disabilities in spite of searching and applying for any job that I thought I could do. (Like one Voc. Rehab. counselor pointed out to me: "Age discrimination happens but you can't prove it!)
His PhD in Solar Physics response?
"Uhhhhhhh.....what pension?"
I feel as if I'm pounding my head against a brick wall!!!!!
Bones
