Im 39 yrs of age, married and have been diagnosed with Brain Cancer.?

Question

At this time because of my disability I'm living with family and recieve minimum disability income. My wife is my caretaker and we would like to know if there is anyone or any goverment agency where we can get housing assistance.Also because of having cancer where may I get information on getting life insurance. My wife and I don't know where or to whom to speak to forquestion we have. So here is hoping you'll be able to assist us and it will be greatly appreciated.
With Sincere Thanks,

Answer 1

Sorry to hear about your troubles. First, the life insurance policy is possible. There are many companies who offer what is known as "guarantee issue" life insurance. They can be more expensive and all have limited benefits in the first two years of coverage (if you die during the first two years, you basically get your premiums back). If you make it past the limited benefit period, the policy would pay the full amount of the coverage. You can search on line for these policies. They don't even ask health questions.

Now, help with the housing costs are possible. There are four kinds of housing aid programs financed by the United States Department of Housing and Urban Development (HUD):

Publicly- Owned or managed buildings for the disabled, the elderly and disabled or for poor persons in general, run by city, county or (in a few areas) state Public Housing Agencies (PHAs). The buildings for non-elderly, non-disabled persons are what the public thinks of as “public housing” or “the projects” - often substandard, dangerous complexes. But elderly and disabled persons are almost always housed in separate buildings and complexes from the general public housing.

Privately- Owned or managed buildings and complexes for the elderly, disabled or both which offer HUD-financed rent subsidies to their occupants. (These are often referred to as “fixed” Section 8, HUD-assisted, Section 202, Section 236, Section 811 or “fixed” voucher complexes.) Within HUD guidelines, the private managements do priority, admission and rental computation eligibility. The local public housing agency can provide lists of these projects, but does not supervise their operations. Portable Section 8 certificates, HUD vouchers and so on which assist with the rent and which are awarded by the PHA under its eligibility, priority and rental computation rules and which the applicant then presents to any willing and qualified private landlord. Shelter Plus Care emergency, temporary and even permanent housing aid—on a group-home or individual-unit basis—for homeless persons, or those at immediate, documented risk of homelessness through no fault of their own (i.e., simply having a high, unaffordable rent, or even being delinquent in paying it, doesn’t qualify). This HUD-granted program, set up by the McKinney Homeless Act, now operates almost everywhere and is run by what are called “Continuum of Care” agencies—public housing agencies, public/private partnerships or private non-profits in a given area. These agencies, or their subgrantees, do admission, priority, eligibility and rental determinations. Housing counselors at large ASOs and professional staff at PHAs can tell one what the local Shelter Plus Care/ “Continuum of Care” agency is called, and how to contact it. In addition, state housing finance agencies operate several programs which can subsidize rents for limited income persons, including the federally-aided Low Income Housing Tax Credit(LIHTC) program, which is administered by the Internal Revenue Service (IRS) through statehousing finance agencies and gives tax breaks to private buildings’ owners in exchange for their not exceeding specified rent ceilings for qualified low- income tenants, including the aged and disabled. Some, but not all, states and localities, with their own funds or tax breaks, run their own LIHTC-type programs through state housing finance agencies or local PHAs. Some local PHAs may not readily have at hand lists of buildings tax-subsidized through state housing

Finance agencies. Furthermore, some, but not all, state housing agencies use Urban Development Block Grant funds, or HOME funds from HUD, to subsidize rents for low-income persons. For details and arrangements, contact the state housing finance agency, which you can locate at http://www.ncsha.org/ncsha/public/statehfadirectory/INDEX.htm. It can also provide lists of any buildings it subsidizes separately from the HUD-subsidized programs. The US Department of Agriculture funds the Rural Rental Assistance Program (Section 521), which offers subsidies which operate similar to HUD’s Section 8 program, with renters in rural areas paying 30% of their adjusted income toward their own rent and the program paying the balance. The program is administered by State Rural Development Offices, which takeapplications, maintain waiting lists and calculate rent amounts and which can be located through www.rurdev.usda.gov/recd_map.html.

Finally, the federal Department of Health and Human Services funds the state-administered Low Income Energy Assistance Program (LIHEAP), which helps pay heating and cooling bills for low income aged, disabled and families; and the federal Department of Energy funds state-administered Weatherization Assistance Programs, which help pay for insulation, caulking, storm windows, etc. for them. How HUD Housing Aid Programs Determine Eligibility - One must live in, or at least be homeless in, the local jurisdiction For housing subsidies targeted to the elderly or disabled, one must be over age 60, or have been declared fully disabled by Social Security. If one doesn’t have an SSA determination of disability or award letter a written statement that one meets the SSA definition from the welfare or Medicaid. Agency or a physician is required. One must have income below 80% (in some areas, 50%) of the area’s mean income. (Virtually all homeless persons and those on welfare, Social Security and SSI will easily meet this standard.) For priority on waiting lists in many (but not all) localities one must be homeless; living in overcrowded or substandard housing; have been displaced by urban redevelopment; or be spending over 50% of one’s income on housing. (For the Shelter Plus Care program one must always be homeless, formerly homeless or at immediate risk of homelessness through no fault of one’s own, e.g., not paying even a high rent.) For the general, non-aged, non-disabled programs and waiting lists, one need not be over 60 or have been found disabled. Rent to be paid by the applicant is set under all these programs at 30% of adjusted gross income, including total, gross Social Security (before the Medicare deduction is taken out), SSI, welfare, pensions, wages (before taxes and payroll deductions are taken out), VA benefits, retirement checks, actually received child support and all other types of money income. (The 30% rental payment is supposed to cover all utilities—including air conditioning where available-- except for telephone.) Additional rental or utility costs are paid by the housing program, either directly or through various subsidies.

Answer 2

Check with the Housing Authority in your area. There is usually a fairly long waiting list, but sometimes they can more people up on the list. They may have homes available or there is this other program called Section 8 where they can supplement the cost of housing. A medical social worker in a hospital, home health or other health care organization may have more specifics on how to do this in your area. Good luck.

Answer 3

Apply to your cities section 8 program it's a housing program that is run by the federal government to help people with limited income get housing. I know in NYC it's closed except under special circumstances and your having cancer might be those special circumstances. There may be other programs that might assist you but you would have to contact your cities department of social services housing division.

Answer 4

I'm sorry to hear of your diagnosis.
I would start with the office where you get your disability payments. They should have information about where you can go to apply for low income housing. Or they should know who you can talk with.
As for life insurance, I doubt that you would be able to qualify - brain cancer would be considered a pre-existing condition for which they wouldn't cover you. But it would be worth checking out - just look in the yellow pages under insurance and call several offices to see what they would be able to offer you.
Good luck

Answer 5

I was diagnosed with inoperable brain cancer in 1994..with the help of God..it has been in remition since 1996..I went through a lot fo chemo and radiation on a daily basis..it is hard I sstill have a hard time today ...Iwish you the very best of life..take it one day at atime and be as happy as you a can be

Answer 6

I will ask you to go buy fresh aloe vera at stop and shop and put it into the blender with vanilla ice cream. It will cause you to go to the bathroom alot. Should make this shake as soon as possible,...Drink it every other day for a while...Its very bitter though...This is what we use in my country to cure cancer...There are alot of other cures out there, but I feel this is the cheapest and fastest way to go...And not to mention, it fits for nearly all cancers....Im not sure about its effectiveness on brain cancer, but it wouldnt hurt to spend 10 dollars every other day if you knew it might cure you or extend your life...
As far as life insurance, just get term life insurance...But like 10 of them or something...They are only a couple of dollars a month each....If you get regular life insurance, they will refuse you after a medical check up....The term life insurances usually only pay you 10% if you die within the first 2 years...But, you also get all the money you paid them...You get all of that back...So, just go for the highest amount you can get,...and find as many companies as you can find....Good luck bro...
PS...the only other cure I can recommend at this time is cesium chloride with DMSO...According to my studies, cesium chloride would work with brain cancer....It is sold by essence-of-life. Just call the guy and tell him your situation and he will prescribe what is necessary. His name is larry....