amy g. Posted June 15, 2009 Share Posted June 15, 2009 When my oldest was diagnosed with Autism, the doctor stressed the need to get her disability once she turned 18 particularly so that she can qualify for Medicaid. Dh asked if he could not just use the diagnosis to keep her on his insurance past the age of 18. Her doctor said that we should do that, but she would still need Medicare to pay for the things that our insurance will not cover. Since then, I have discovered that to qualify, she needs to have less than a certain amount in her name-about $1,000. The rest should be put in a "Special Needs Savings Account" that someone else controls, and can give her money from. I feel very conflicted about this. On the one hand, her disability is hidden, but I really can not see her ever being able to work for anyone but family. She has an incredible work ethic, but her Autism makes her rigid in ways that most bosses would not tolerate. She would also be stressed having to do any job with very much social interaction. On the one hand, I feel like she is a good example of who social security disability was meant to help. On the other hand, putting her money away so she can have assistance seems very much like what we were talking about in the nursing home thread. Right now, Dh and I are in good shape financially. I can not see any way that we would not be able to take care of her, but I have also seem fortunes turn that I would NEVER have expected. I thought I would just wait, and ask her what she wants to do when she gets older, but if she says it's stupid to take money for doing nothing, does she really have the maturity to make that decision? Fortunately, I have a few more years to decide, but I'd like hive opinions to be mulling over. Quote Link to comment Share on other sites More sharing options...
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