Husband has cancer. Husband can no longer work. He started collecting state disability in mid-July. State disability can be collected for six months. If you are going to be disable longer than that you have to apply for federal Social Security disability. That takes 6 months for approval and first check. Husband has applied for SS disability and should get first check in February.
Sounds good, right?
State disability payments are based on your prior twelve months income. Husband was called back to work part time in March. Prior to that he was on unemployment for a year. Turns out unemployment checks don't count as income toward state disability. Husband got his last state disability check last week. Collecting disability put us $1200 under budget every month. Without it we are $2400 under budget every month. Between extended unemployment and the ridiculous medical bills we have just about zero savings now.
Let's see what miracles happen that get us through until February.