I am a 42 year old woman with a PhD, a demanding, intense job in a stressful environment. I have a teenaged daughter who is diabetic, and a husband who has a rare form of cancer -- so rare that now that he has lived five years beyond initial diagnosis (with the assistance of three major, organ-removing surgeries) there is no prognosis possible
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If I had been spending my money on new electronics, trips, concert tickets, cigarettes, booze and loose women while I was able to be employed, I'd be living in a cheap rental dive with milkcrates for furniture and all would be fine -- I'd be eligible.
Instead, I pinched pennies until they squealed. As a result, I have a car, an RRSP, a nice house, an education fund for my kid, and some investments that aren't worth nearly what they were a year ago. Together, my husband (remember, ODSP is based on FAMILY assets) and I have assets in excess of $7500. This makes us ineligible until we have spent ourself below this threshold.
I haven't been in in the full time labour force for long enough to qualify for CPP disability (which is asset independent) -- in part because it takes a LONG time to get my job, and in part becasue... I've been too disabled to work full time!
Rock. Hard place.
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I think of the Hopi word koyaanisqatsi, translated as "life out of balance." And I think of my friend Oriah, struggling with many of the same physical challenges, and taking a three year sabbatical, and finding that the energy and cure she had wanted to happen hasn't. (It's all here)
A path is made by people walking on it, as Chuang Tzu said. May you find yours, and may it come to you easily and soon.
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