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Author Topic: Where's my welfare safety net?  (Read 1121 times)

Offline muckmaw

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Where's my welfare safety net?
« on: April 27, 2004, 10:14:06 AM »
Get this...my monthly income just got slammed...why am I paying taxes, again?

How do people go out on workers comp or disability and defraud their companies and government and still live large?

Listen to my personal story.

My wife is 5 months pregnant with our second child. She developed something called placenta previa which puts her and the baby at high risk.

At the advice of her ob-gyn, she went on disability from her job as an assistant retail store manager and was told to stay off her feet.

Apparently, her company did the bare minimum for disability insurance.

Her weekly income was slashed from $800 net to the NYS minumum of $140.00.

That's $41,600 a year after tax to $7,280!

How are we supposed to get by on this until she can go back to work?

This is my taxes at work?

Nice.:rolleyes:

...end rant.
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Offline lazs2

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Where's my welfare safety net?
« Reply #1 on: April 27, 2004, 10:37:07 AM »
Ok... as I understand it..

disability is an insurance.   I assume that you work.   Your wife is married so in order to be eligible for welfare your entire family income needs to be at a certain low level.

If you get to that level you will be given free housing and free medical and food stamps and even day care if needed...

There is a catch.. you need to be a professional welfare recipient.. you need to know the ropes as there is a waiting list for say housing and... some of the questions are "trick" questions on the aplications... only those with generations of welfare experiance know how to fill out the forms to bypass the trick questions and get the free goodies.

to me... this is not much of a life but it is much better than having to work for a lot of people.    It is all they know for some.

Now... having said that...

having two incomes from you and your spouse and then living at that level is taking a big risk.   Not only can one of you be injured or laid off or cut in pay...but... you may get divorced.   All these things will cut your income in half or more and are to be expected.  

Many companies offer insurance for income protection for accident or disability as do credit card and mortage  companies.   you can buy this insurance or, live at a level that  you will be able to sustain at half income or... simply take your chances that nothing will happen.

What I have against welfare is not the "lap of luxury" lifestyle that it creates... indeed, most are at subsitence levels and only due well by fraud or other criminal income adders.... no... what I have against it is that it  is so available to anyone who get's pregnant to get out of mom and dads house or that it is enough money to make it attractive enough to spawn generations of welfare recipients...

lazs
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Offline Sixpence

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Where's my welfare safety net?
« Reply #2 on: April 27, 2004, 10:39:44 AM »
Can she collect unemployment in that situation?
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"My grandaddy always told me, "There are three things that'll put a good man down: Losin' a good woman, eatin' bad possum, or eatin' good possum."" - Holden McGroin

(and I still say he wasn't trying to spell possum!)

Offline lazs2

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Where's my welfare safety net?
« Reply #3 on: April 27, 2004, 10:43:44 AM »
That may have sounded a bit cold... I am sorry that you are in this position.

I certainly hope that you are not counting on a government retirement system (social security).  When you decide to retire.

I guess my point is that you really can't count on the government  (taxes or no) to help you if you want to live at anything above subsitance level.    

lazs
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Offline muckmaw

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Where's my welfare safety net?
« Reply #4 on: April 27, 2004, 10:48:43 AM »
Learn from my mistake, gentlemen.

No, my advice is not avoid having kids...on the contrary.

But, as Lazs clearly pointed out, do not count in the government to help out if you fall on hard times.

If you can get  supplemental disability or other benefits at your job, take it.

The government, as I have learned the hard way, is not in the business of protecting hard working people who get hurt and temporary cannot earn.

So, I've got some belt tigtening to do...

WWIIOL subscription...gone.
Personal trainer at the gym....bye bye..
Flight lesson..ouch, that hurt...so long.
Aces High subscription...are you freakin' nuts!! I'll go collect cans if I have to!
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Offline lazs2

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Where's my welfare safety net?
« Reply #5 on: April 27, 2004, 11:16:52 AM »
Good deal muck... like I said... hate to see yu in this position... Socialism is a bad thing.   It certainly made your situation worse than it needed to be.

Insurance companies like aflac and a few others offer insurance for disability that is like $30 a month and gives you say $1400 a month over and above any other benifiet you may recieve... contrast this with socialist tax based programs that cost you thousands a year and give you from very little to nothing and.... if you try to help yourself they.... penalize you with reduced (even further) benifiets!   Hardly a situation that would turn a normal person socialist!

Allso... mortage companies have insurance that will pay all or a portion of your mortage while one or both of the breadwinners is disabled ... this also is on top of everything else you may get.

also... credit card companies have this insurance.... same deal...

also... most personal loans for say cars offer this... same deal soooooo...

let's look at it... socialist government..  run insurance.... Cost?  thousands of dollars a year and next to worthless... at best, subsistance level liveing AFTER you have lost everything of value...

private insurance... Cost?  maybe a thousand a year for 3 or four plans..  

benifiet?  $1400 a month for aflac or similar... $400-1500 a month for housing (mortage ins)..  $400 month for car payment...  200-400 for credit cards.

very little belt tightening needed... higher numbers for people with higher income or higher debt... the way it should be.

This would work even with low income people who would have more money to spend on such insuirance if they weren't beoing cheated out of it by workmans comp  and social security and other government mandated rip offs.    Wages would also be higher without ripoff programs.

the down side would be that we couldn't help people who simply wanted a free ride for life.

lazs
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Offline Roscoroo

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Where's my welfare safety net?
« Reply #6 on: April 27, 2004, 11:19:52 AM »
Muck .. the west coast hi-ways are mine ....... Get your cans from the east coast !!!

Sorry to hear it ,Good luck ..

 as for the gov bennifits .dont count on them, you have to be a dope addict ,and come from an abusive relation ship to get any .
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Offline Sixpence

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Where's my welfare safety net?
« Reply #7 on: April 27, 2004, 11:26:11 AM »
Quote
Originally posted by muckmaw


WWIIOL subscription...gone.

No big loss

Personal trainer at the gym....bye bye

Huh?? Good! Unless, of course, this trainer was female and blonde, for which you have my deepest sympathy.

Flight lesson..ouch, that hurt...so long.

You never know, it could be an act of fate, your unborn saving your life

Aces High subscription...are you freakin' nuts!! I'll go collect cans if I have to!

You, my friend, are a man among men.
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"My grandaddy always told me, "There are three things that'll put a good man down: Losin' a good woman, eatin' bad possum, or eatin' good possum."" - Holden McGroin

(and I still say he wasn't trying to spell possum!)

Offline Rolex

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Where's my welfare safety net?
« Reply #8 on: April 27, 2004, 11:34:12 AM »
The money means nothing, muckmaw. Do what the doctors say to do and I wish all of you the best of luck. My wife and son died during a premature birth from an undiagnosed placenta-previa condition on September 14, 1986.

Forget about the money.
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Offline Sixpence

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Where's my welfare safety net?
« Reply #9 on: April 27, 2004, 11:38:39 AM »
Quote
Originally posted by Rolex
The money means nothing, muckmaw. Do what the doctors say to do and I wish all of you the best of luck. My wife and son died during a premature birth from an undiagnosed placenta-previa condition on September 14, 1986.

Forget about the money.


I don't know what to say other than i'm sorry. I guess that does put it in perspective.
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"My grandaddy always told me, "There are three things that'll put a good man down: Losin' a good woman, eatin' bad possum, or eatin' good possum."" - Holden McGroin

(and I still say he wasn't trying to spell possum!)

Offline muckmaw

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Where's my welfare safety net?
« Reply #10 on: April 27, 2004, 11:39:28 AM »
Jesus Christ, Rolex, I am so sorry to hear that.

That could be the most devastating thing that could ever happen to a man.

How you live with that pain every day is beyond my comprehension.

god bless, Rolex.
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Offline lazs2

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Where's my welfare safety net?
« Reply #11 on: April 27, 2004, 12:15:39 PM »
terrible news rolex... I agree with you, in comparrison, the money is nothing.  

I have never really been all that interested in money except to have enough to have a roof and some freedom to enjoy life.  

Health issues allways put money into perspective.

lazs
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Offline -MZ-

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Re: Where's my welfare safety net?
« Reply #12 on: April 27, 2004, 12:19:05 PM »
Quote
Originally posted by muckmaw

This is my taxes at work?


No, its the private sector at work.
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Offline Sixpence

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Where's my welfare safety net?
« Reply #13 on: April 27, 2004, 12:20:56 PM »
Quote
Originally posted by GScholz
*LOL!* Listen to Lazs, the expert on socialism. JFYI I'm currently unemployed, and have been for nearly a year. I live in my own house, drive a BMW, have a nice summerhouse out of town, and I'm part owner (family thing) of a summerhouse in Spain.


Are you one of those countries we borrow from? Cause if so, I am helping pay for that, therefore, I would like to request a weekend at your summerhouse, ty.
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"My grandaddy always told me, "There are three things that'll put a good man down: Losin' a good woman, eatin' bad possum, or eatin' good possum."" - Holden McGroin

(and I still say he wasn't trying to spell possum!)

Offline Nifty

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Where's my welfare safety net?
« Reply #14 on: April 27, 2004, 12:28:13 PM »
how long will your unemployment benefits last?  Are you supposed to find a job ASAP?  how does it work?
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