I absolutely hate shopping for cars. I actually don't much like shopping at all---even grocery shopping. But automobiles probably tops the list on things I abhor shopping for. If it wasn't for the fact that we no longer have any reliable transportation and the rust is what holds our 1994 van together, we wouldn't even be thinking of purchasing a new vehicle. However, it costs us in gas each month what it would cost most folks for a new car payment. We get about 8 miles to the gallon as we calculate it.
At present, we are taking advantage of the fact that auto dealers are looking to get rid of inventory before 2007 changes to 2008. We're trying to find a dependable vehicle, with low mileage that gives us high mileage for the amount of gas we put in the tank. Our goal is simple---the most for the least. It's a big decision for us because we are on an extremely limited income these days with Social Security Disability and a part-time job in accordance with the Social Security guidelines. If we make over one dollar of their designated guidelines, we lose the whole check--not part of it---all of it.
Unfortunately, my husband's 4-hour a day job as a custodian/maintenance man for a little private Christian school situated two blocks from our house has created such a dilemma. When we were forced to apply for early Social Security due to my husband's congestive heart failure, we were told he could only make a pittance of an amount for the year. Whether he worked or I worked, it made no difference. If we wanted to keep the 1,242-dollars each month, he couldn't make very much to offset our income of the check. Since he couldn't return to full-time work anyway, we were grateful the Lord provided this job that afforded him the opportunity to only work 4 hours a day. His stamina is less since his open-heart surgery and since it fell under the government guidelines, it seemed divinely appointed.
Enter the Disability status. He was assigned disability status because his heart is so damaged it only pumps out blood to the rest of his body at a 38% rate. Normal is closer to 65. 28% makes you a candidate for a heart transplant. So that gives you an idea of how things shape up. Unbeknownest to us, the disability status lowers the amount of income we can make by issuing a monthly amount---not a yearly amount. Because my husband's job is filled with time off due to school vacations and breaks, it would average out to less than the yearly minimum---but not the monthly during the months he is actively working.
So what's a person to do? At this writing we are looking forward (or NOT) to an appointment January 2nd with the Social Security Administration to see if we have violated their rules and regulations. Scary. If we have, we could end up having to pay back the checks we've already spent for food, gas, medicine and rent. And the upside is that we may be able to keep the little janitorial job--but will have to take a cut in pay to accomodate the newly acquired guidelines. Plus---we are privileged to have to begin paying Medicare 98.00 a month beginning in March even though we are cutting our income of twice that. Senseless. It all seems so senseless. But that is the way it goes. No way around it. Guidelines are guidelines. Charts are charts. And we are simply numbers in the scheme of things.
I share this, not for sympathy, but for prayer. We seek God's intervention that we will not have to return any money that we don't have. We seek to be able to receive an exception to the rules for the income he makes and pray that the monthly checks will continue without interruption. These are some tall order requests, friends.
While we were waiting for a Social Security representative the other day to set up an appointment and give us some information, we met a disabled man who'd exceeded his income allowance by twenty dollars. They immediately stopped his check. He will have to refile. I pray for this man that they get it straightened out quickly. It was quite obvious that he was not able to make it without the check.
While we consider the same possibilities, I am still reminded that my God is sufficient to meet all my needs. We may find ourselves between the rubber and the road soon, but I will still put my trust in God--not in chariots and horses. You see, I've learned that when the road narrows and appears dark, the Lord is at His best to show the light beyond it. selahV