I'm in a position now where I have been on medical disability for about 5 years. I have had no difficulty keeping it. Half of it is judgment proof I believe (SSDI), and the other half (Unum private insurance) I think is not.
Because I live in Los Angeles where the only medical care I have found in the past 5 years has actually helped me improve, my cost of living and expenses have been high. Too high for my disability. I also had a brief stint of randomly having UHC cobra insurance, which basically denied every claim sent to them, which seems entirely insane.
Long story short, I have like maybe $30000 in CC debt and $50000 in medical debt that has gone unpaid at this point. I can't pay these things off and pay for food simultaneously with my standard of living in LA, and because I am severely disabled, it doesn't really seem like an option for me to compromise on my standard of living.
I think my private insurance is not judgment proof, but I am not certain. Am I just going to eventually get entirely screwed over here? Like... what actually can I do?
Because I live in Los Angeles where the only medical care I have found in the past 5 years has actually helped me improve, my cost of living and expenses have been high. Too high for my disability. I also had a brief stint of randomly having UHC cobra insurance, which basically denied every claim sent to them, which seems entirely insane.
Long story short, I have like maybe $30000 in CC debt and $50000 in medical debt that has gone unpaid at this point. I can't pay these things off and pay for food simultaneously with my standard of living in LA, and because I am severely disabled, it doesn't really seem like an option for me to compromise on my standard of living.
I think my private insurance is not judgment proof, but I am not certain. Am I just going to eventually get entirely screwed over here? Like... what actually can I do?