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Disability Grants To Pay Medical Expenses For Accident Disabled Victim

by Mable Warren
(Fayetteville, North Carolina, USA)

My name is Mable Warren. I am 52 years old. I raised two girls as a single parent.

My youngest daughter was diagnosed with a heart condition and had a pacemaker implanted at the age of 10. My oldest daughter is bipolar and disabled.

I worked as an assistant manager in a school cafe for over 20 years. I loved my job and enjoyed working around the kids and watching them grow every year. Each school child was a ray of sunshine to me.

That's what I miss MOST about not working… seeing those children every day.

Disability Issues

My life changed on September 17, 2013. A lady ran a red light and t-boned my car.

The impact caused the base of my brain to herniate into my spinal cord. I had never had any medical problems until then.

I live with constant pain ever since that day. I had brain surgery at Duke University Medical Center (DUMC) to push my brain back into my skull and anchor it with mesh.

I also injured my neck and need neck surgery. I have to wait indefinitely due to complications during the surgery.

I developed a heart problem since the nerves going to my heart and lungs were damaged. I had to have a pacemaker. I also now have congestive heart failure. I developed three blood clots.

I have to take many meds.

I used to have only a single annual physical exam, now I have many medical appointments. With my various injures, I feel much older than 52, more like 82.

Medical professionals that I see on a regular basis include a general practitioner, a pulmonary doctor, a cardiologist and a pain management doctor.

I don't know when or if I will ever to be stable enough to have the surgery to help with my neck and arm pain.

Currently I have little control of my hands and arms. My arms are dead weights. I can't do even simple things, like pour a cup of coffee without spilling it.

I lose control of my bladder. I can't even shower by myself.

I have moved in with my sister for a while because I need help with all my daily tasks. Thank God for her!

I feel like a burden to her, though. She has her son and husband. Their financial status is bad due to lay offs and hours cut.

Financial Hardship

I have been approved for disability. I receive $843 a month. That is only a fraction of what my pay was.

I have insurance with my old job, but that is with a $3000 deductible and a 70/30 plan. I still have to pay 30 percent after the $3000 has been met.

I also have co-pays, $35 for a GP visit, $81 to see a specialist. These charges are just for the visit alone. Currently, I average about two doctor visits per week.

I also have medical equipment expenses. I use oxygen, a cane and a hospital bed, and a physical therapist comes to my house two times a week.

I had to buy a new toilet and safety rails for the bathtub for stability due to the dizziness, which is another complication of my surgery.

I am not able to go anywhere but to the doctors' appointments. Just doing that wears me out. I am scared every time I get in a car now. I am essentially homebound.

I can't work. My youngest daughter, the one with a pacemaker has no job, and lives with me. She is dependent on me. Her sister is disabled and only gets $600 a month. She too can barely get by.

We only have one car and it is in very bad shape. The gas for all of the trips to the doctors at Duke and going into town takes any extra money I may have. It's hard to choose what to pay: meds, doctors, gas, utility bills or food.

I have worked hard all my life and now I have nothing.

I pray daily for help.

Income Efforts

I have been approved for Disability, but can't get Medicare for two years. All of my doctors' bills are coming in and I don't have the money to pay them.

I am afraid the doctors will stop seeing me if I cannot pay. I am in so much pain. I don't think I will be able to take it if they refuse treatment for me.

I can't do anything. I just want my life back. I never thought this could happen to me. I guess everyone feels that way.

I applied for Medicaid, but they turned me down. I have applied for a pain med co-pay relief fund.

Specific Needs

I need help getting my medical bills paid. I need help to pay for office visits, co-pays and deductibles. I need finances to pay for tests like CT scans, chest x-rays, stress tests, and ultrasounds.

I have a lawyer, but it has been a year and it looks like he is getting nowhere.

I have to pay for everything out of my pocket and my life will never be the same.

I am so depressed. I miss me! I only knew two speeds when I was at work: stop and go very fast. My nickname was "The Tornado."

I prided myself with making sure the kitchen was clean, (we got a health rating over 100 many times) and every child was fed everyday with a smile.

Now I can hardly move and hugging is unbearable. I miss the kids that I used to see every day at work. The other ladies tell me they are always asking for me.

I'm afraid the person I was is gone. When I look in the mirror, I must realize, she is never coming back.

Comments for Disability Grants To Pay Medical Expenses For Accident Disabled Victim

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Mar 24, 2014
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Med-Pay insurance may be your saving grace
by: Anonymous

Hi Mable. I feel your pain. I have been disabled and out of work for nearly three years. Check with your insurance company to see how much Med-Pay coverage is on your policy. Most people do not even realize this coverage is included in your car insurance policy. Unfortunately a lot of insurance companies never bring this to their customers' attention. Med-Pay is a no fault insurance benefit. It does not matter whether it wasn't your fault or it was your fault. Whatever the amount of Med-Pay you have is the maximum amount. You can use it for medical benefits and you don't have to pay it back and it should not affect your premium. Grab your policy before calling and look for yourself to see if you have it. It cost only pennies to include. It could make a world of difference right now. You might have $2,000 or more at your fingertips.

Oct 14, 2013
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Get the money on the table, Mable
by: Ken

Hi Mable,

Since it was not your fault in the accident, I would get a friend of yours to call your insurance company to find out if they pay for medical expenses until the case is settled, knowing it was the other person's fault, or if they don't, what should be done.

Have your friend do that on their own computer online with your insurance company. If they do, then you will have evidence on what can be done. I don't think your lawyer is very good. Perhaps you could call your police department and talk to victim services. They too may have some answers.

I take it that your lawyer is working on a contingency. Start asking why it is taking so long, as well as asking them what you are supposed to do until the settlement comes. Something doesn't smell right here. Try this and please post your reply.

Take care,
Ken

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