Diabetes Disabled Roger Seeks Identity Theft And Medical Debt Relief
by Roger Harris
(Suffolk, Virginia, USA)
I am a 52-year-old father of four wonderful children 10, 8, 6 and 4 and a great wife.
My situation has become very serious over the last two years. My family sacrifices themselves for me daily.
I started working when I was 16 years old and worked hard all my life. I can't believe this great country would turn its back on a family in need.
I pray every day and thank GOD. I just want a good life for my children and to be here to raise them so they will be a positive product of their community.
They are all A+ students and I should be taking care of them; they should not be taking care of me.
I know if I could get the medication I need I would be able to help my family a lot more.
I have been diagnosed with complex migraines, diabetes, sleep apnea, COPD and high blood pressure. I am on an insulin pump, which helps, but now I'm out of insulin and can't afford it. I am on the verge of renal failure.
I need multiple surgeries for my shoulder, replacing both knees, my hip, my wrist for a third time, my nose and saliva glands.
Because of my migraines I am unable to deal with light and noise. This limits my time with my children, due to me lying down in a dark room to help with the pain and stop me from vomiting.
My COPD limits me in getting around. I have trouble breathing and walking. Five doctors deemed me disabled in 2012.
I've been without insurance for a year. This is due to Medicaid denying us because they said my income was too high with my only source of income being Disability. Go figure.
Now Medicare is not covering a lot of my medical expenses. My health has become a lot worse. My wife had to leave work to take care of my children and me.Financial Hardship
We are living off my Disability, which is not much at all. My medical expenses and prescriptions exceed my monthly Disability income, so I cannot afford most of my medication.
I also need numerous operations that my doctors insist I have, but I have been putting them off because I can't afford the expense. It would put my family in the streets.
My most important medication is my insulin, which I am not able to afford. It would cost me over $3000 alone and that doesn't cover my other meds.
I try every now and then to get insulin samples from my doctor, but it's only temporary help that lasts maybe a week if that.
My health has deteriorated severely, requiring more medications and interventions that I cannot afford.
My wife does not have insurance. We looked into the Marketplace for insurance for her. We were told that because of our income being so low we would have to pay over $200 a month for her and that she should be getting Medicaid.
Medicaid denied her and they only approved her for Planned Parenting (basically preventive pregnancy and yearly Pap smears, which doesn't help when she gets sick).
When she does get sick she looks online to find home remedies to help her get better because going to the ER just adds on another bill that we can't afford and any prescriptions they may prescribe we aren't able to afford to get filled.
My medical expenses are extremely high and I am behind on household bills. I have to make a choice every month to pay for medication or rent, food and my children's expenses.
I now owe a house payment, car payment and over $3500 for my prescriptions and medical expenses.Income Efforts
I have worked on my credit for the last five years. We were on the road to getting a home of our own. Last year though, someone stole my identity and made our lives miserable.
I have been working on clearing everything up for the past year. When I thought the worst was behind us, I learned otherwise.
This past July 11th was my youngest son's birthday. My wife and I went to Walmart to find him a gift. At checkout I was very embarrassed to find out I had no money in the bank.
In doing more investigating I found out I was hit again.
Someone has taken out a loan, opened a Verizon account, taken trips, booked hotels, and restaurant charges in my name and comprised my account to the point where they put me a situation where I now owe money.
We had put money away and saved for a home of our own and now we have nothing due to someone stealing my identity.
The small place we live in is $1250 a month, which I struggle to pay every month with the utilities.
It is too small for a family of six and the neighborhood is not great. I won't let my children go out to the park and play, because of fear of something happening to them.
With the amount I am paying now, we could be in a much larger house of our own with a lower mortgage and a better neighborhood.
This has broken me and made me destitute. My bank is trying to clear things up, but they tell me it can take time and that is something I do not have.
I don't know how much they will fix. I have always been very, very good at keeping my bills paid and on time.
Now I have charges from many companies and I don't know how to get from under this.
My car payment, rent and some utilities have bounced.
I can't get a loan, because my credit is being ripped apart by these hackers. I am a customer of Life Lock and received an alert that my information (email accounts and passwords) was being sold online.
I have changed all my passwords to no avail; they were still able to steal my identity.
We even looked online for work at home jobs for my wife. They were supposed to be proven at home jobs that bring in income.
We spent money for the programs only to find out that it did not help us as to how to get started or give us help as promised.
When calling the number for support or to get our money back the numbers for contact were not valid or no one would ever help us.Specific Needs
My family and I are looking for a grant that helps out a family with a disabled parent and low income and help with purchasing a home of our own.
I feel like I am failing my family. I look in my kids face and see the disappointment when my daughter ask can she join girl scouts or when my son ask to play football and I have to say no because I can't afford it or I can't get out of bed to play with them.
My wife cries daily because she tries to get help for us and she is always told there is nothing that can be done.