I need some kind of professional to talk to, but have no idea what kind. I have a degenerative nerve disease and am a full time wheelchair user, and still am able to work a little bit, but that can change at any time. I am married but my spouse is not employed (although he helps me with my business when he feels well enough) and has a ton of health problems. Neither one of us is on disability, I used to do very well with my business but now we are barely getting by. Our ACA health insurance co-op went under and we are trying to figure out our coverage options as my husband needs regular medical care. Even though I am disabled I am in much better health currently than he is so I am going to try to get on my state's Medicaid buy-in program. I have never received a disability status from the SSA, so I am having to get some sort of determination which can take 90 days, and this is totally screwing with his need to find a new plan, since it runs both of us through the application process. Plus there is other totally messed up stuff regarding money in our lives, and we are considering getting legally separated to try to simplify things for the future. I would LOVE to to be able to sit down with some sort of professional to lay this all out on the table and see what I should be doing NOW before I am forced to apply for SSDI, and how to keep my husband's medical bills in check, or at least have some sort of plan for what is going to happen when I can't work. I have been asking around for years and no one seems to know what to tell me, even our local independent living center doesn't know where to direct me since I am not totally poverty stricken, yet.
Who do I even ask?
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