TippiLeigh
Active member
- Joined
- Jun 13, 2020
- Messages
- 96
- Reason
- DX UMND/PLS
- Diagnosis
- 07/2020
- Country
- US
- State
- CA
- City
- XXXX
I’m a Realtor, so I am self-employed. (I do pay self-employment taxes so I am paying into disability, medicare, etc. and I had traditional jobs for the 30 years prior.) I haven’t not been working in person for about a year since my symptoms started getting much worse. But I still do make some income (referral fees) when I refer one of my clients to another agent. Also, I’m the subscriber for our health insurance for my family. I get it through the California Association of Realtors at a group rate.
My husband makes enough money to support our family, so at this point I‘m not as concerned about income as much as I am wondering what I should do going forward with health insurance and more specifically, Medicare. We pay so much for insurance, if I qualify for Medicare that would help a lot with equipment and services I need, but do I need to go on full disability first for that? Would I be allowed to still make some income and still qualify.
I’m just feeling really overwhelmed on where to start with all of this. I’ll be 45 this year, so I’m not at retirement age and my husband’s practice doesn’t offer health insurance so if I can’t get it through my job, then we’ll have to find another private insurance. Also, I have PLS, not ALS, so not sure what type of difference that makes to the government agencies.
I’d appreciate any guidance or at least be pointed in the right direction. I see a lot of info when it’s a tradition job as an employee, but being self-employed seems a little more confusion. Thanks!
My husband makes enough money to support our family, so at this point I‘m not as concerned about income as much as I am wondering what I should do going forward with health insurance and more specifically, Medicare. We pay so much for insurance, if I qualify for Medicare that would help a lot with equipment and services I need, but do I need to go on full disability first for that? Would I be allowed to still make some income and still qualify.
I’m just feeling really overwhelmed on where to start with all of this. I’ll be 45 this year, so I’m not at retirement age and my husband’s practice doesn’t offer health insurance so if I can’t get it through my job, then we’ll have to find another private insurance. Also, I have PLS, not ALS, so not sure what type of difference that makes to the government agencies.
I’d appreciate any guidance or at least be pointed in the right direction. I see a lot of info when it’s a tradition job as an employee, but being self-employed seems a little more confusion. Thanks!