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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think that a lot of the time having someone in the family with a disability does mean being long term poor?

575 replies

extremepie · 31/05/2014 14:06

Obviously this is not the case for everyone but it certainly is for me!

I know that families with a disabled member do get extra help in the form of extra tax credits, DLA, carer's allowance ha! etc but aibu to think that due to the often extra expenses that are incurred by having someone with a disability in the family all this doesn't go as far as you might think?

Due to my current circumstances, I am not able to work and I can't see this changing in the near to moderate future unless something drastically changes. This is not unusual, as a lot of us just can't work around all the medical appointments, time off required to look after them etc so working is just not feasible but I hate the idea that this current situation is all I have to look forward to in the future and that my financial situation will not really improve :(

Aibu to think I'm not alone in this and that for a lot of people having to manage the needs to someone with a disability means they are struggle in the long term? In most circumstances if your money situation is tight you can either try and earn more money or cut your expenses but often people with a disabled family member can't do either!

OP posts:
SoonToBeSix · 01/06/2014 18:36

Feel also our " free car "came with a £10000 advance payment due to size and adaptations.

Smilesandpiles · 01/06/2014 18:45

Speaking of the car.

Taking into consideration the cost of insurance, tax, mot, adaptions. LEAVING OUT PETROL.

It's taken from or in place of higher rate mobility right?

So..in actual fact, the cost of running a mobility car is actually more expensive than any other car. Depending on your insurance, running a normal car wouldn't cost the amount you get for HR mobility...and yet, all of the mobility awared is given in place of an adapted car.

If I am indeed right with this, it's another example of how disability is expensive.

dawndonnaagain · 01/06/2014 18:47

Don't even get free wheelchairs here, post sixteen. We had to buy dds, which in many ways was great because it's a good one, comfortable, fits her far better than the standard NHS one and is far lighter. Cost a fortune though, so that's where some of the DLA goes, just for folks who think it's all for cinemas and restaurants!

dawndonnaagain · 01/06/2014 18:47

(Also purchased her walking stick, which is a lovely burgundy colour). Grin

CarmineRose1978 · 01/06/2014 18:49

He died (thankfully before this shower of shite government got elected)

Andreas, this really struck a chord with me. I was the primary carer for my disabled mother, who died very suddenly in 2010. I miss her like crazy, but I'm thankful she didn't have to have assessments and worry about her allowance being cut or taken away entirely. She was awarded Severe Disablement Allowance back in the 1980s, for life, and strictly speaking, that should have made her untouchable, but with this given,net, I doubt she would have been safe. And before anyone asks, yes, she was completely unable to work and dependent on carers (my dad and myself). She had a degenerative disease which was never going to get any better.

CarmineRose1978 · 01/06/2014 18:50

Given,net should be government, obviously.

BeyondTheLimitsOfAcceptability · 01/06/2014 18:51

Have the paperwork here. Leasing a car with no additional payments (so like a 3 door corsa for example) costs just over £5000 for three years. And then you give it back.

I'm far from a car expert (am not even allowed to drive myself) but I'm not convinced that's cheaper than buying a 3 door corsa and insuring it yourself. Obviously to be entitled to motability, you'd still get your road tax free, so its just the car, mots and insurance that you'd have to account for, yes?

Deverethemuzzler · 01/06/2014 18:55

I keep trying to convince OH that the mobility scheme is expensive but he won't have it.

His condition makes him quite anxious about some things so I think the fact the car gets fixed if anything goes wrong reassures him.

I would rather buy a good second hand car and put the money aside for expenses. Our lease is up next year so we are going to have to find a big wad to pay the deposit on a family car.

Smilesandpiles · 01/06/2014 18:59

So I'm right. It is more expensive.

Smilesandpiles · 01/06/2014 19:01

Beyond

That's about £138 a month. I'm sure (obviously depending on your insurance) that insuraing, tax and mot wouldn't cost that if you got the car by any other means...

Owllady · 01/06/2014 19:04

I changed my daughter's notability car last year and found Ford the cheapest for a larger car. I got a c max grand and it was £300 down payment but I got it back through the scheme as the Renault I returned was so clean! So it might be worth looking at Ford?

Smilesandpiles · 01/06/2014 19:04

I'll tell you something else.

This has to be the most interesting thread I've been on in a long time. Thank you.

calmet · 01/06/2014 19:07

I think you pay more for the reassurance that any repairs will be sorted.

Smilesandpiles · 01/06/2014 19:07

I would advise that you get your moneys worth.

If they are taking your mobility payments for it - get the best you can.

If they are taking payments for running the car but yet, it's cheaper if you did this on your own, then there is someone, somewhere taking the piss.

Work out what car you want, how much it will be to insure it, tax it and the MOT and work that agaisnt what you get for mobility. If you go through the scheme, get the best you can for your money.

BeyondTheLimitsOfAcceptability · 01/06/2014 19:12

That cant be full amount either for that corsa, mine (not ordered til dh passes his test!) is full allowance, so £56 a week.

56 x 52 x 3 = £8736 for three years, just to give it back at the end

Shock

Yay for the free car!

CarmineRose1978 · 01/06/2014 19:13

When my mum got a motability car, I seem to remember that every year, there would be at least one decent sized family car with nil deposit, from at least one manufacturer. And one time, she selected something small (5 door Corsa, I think) and got to keep part of her allowance every month, because the car payments were lower than the allowance. For her, the fact that everything except petrol was covered meant freedom from a lot of worry. But every time it was time to choose, she did think long and hard about buying a secondhand car instead.

BeyondTheLimitsOfAcceptability · 01/06/2014 19:13

(Its a ford too)

Smilesandpiles · 01/06/2014 19:14

So that's £3763 for "reassurance" that it'll be fixed if something goes wrong.

Sorry, but for that I could get a second car.

Smilesandpiles · 01/06/2014 19:16

So do you get to keep the difference or not?

If the car is costing £5000 over 3 years, you get £8763 over those same three years...that's £3763 left over.

glintwithpersperation · 01/06/2014 19:16

I have to say that reading some of this thread has made me feel profoundly sad. DH just asked me what the matter was.

I wonder whether 'some' contributors think that having a disabled child happens to other people. Most of us are delighted when our little bump turns into a healthy typically developing child. But sometimes something happens, and life takes a different path. It is often completely unexpected, and sometimes (god forbid) our perfect little darling suffers a catastrophic incident and is never the same.

It is very difficult to imagine what it is like if your child turns out to have a disability, I don't know what its like, but I spend my life working with families with disabled children. I know that emotionally it is very hard, and all families cope with it very differently, but in the end it is a profound shock and it takes time to come to terms with it. Even then, there will be times, such as transition points (going up to the juniors, starting secondary, leaving education) when you have to come to terms with it all over again.

SO there is a background of stress which is different to a typical family, add to it numerous appointments;
appointments arent hard are they??
Wait unit your child has to goto the orthodontist (if you go nhs you won't get appointments out of school time), its tough but this goes on for 18+ years. Families often have to visit specialists out of area, so a 50 mile journey into the centre of London to be told that your child needs surgery to prevent pain and poor quality of life in their future. Wait until your child needs to have their tonsils out, feel the stress and anxiety and imagine what it feels like for your child to go through a number of serious operations, perhaps 5 hours long more than once.

Add to that sleep deprivation. Did your baby sleep through at birth?Probably not, its tough, but imagine what its like to be woken through the night for over 18 years, what does that do to you? Can you cope with working?

Add to that medicine, has your child ever had to have antibiotics, did you remember to give each dose on time? You have to use up emotional energy remembering, imagine what thats like every day for over 18 years. Imagine what its like knowing that if you don't give the medication or notice that your child has put on weight (because they won't be getting the right dose)that they will have a huge seizure which will end up in another hospital admission.

You want your child to goto an after school ballet class? Imagine what its like to have to fight everybody to get her into that class, Oh the waiting list if 18 months long and I'm not sure she'll ever get to the top. She doesn't fit the criteria, youre expecting too much, the ballet classes are a luxury ... oh the ballet teachers off sick and no ones going to replace her - never mind, maybe in a few months a newly qualified ballet teacher will start, she's never worked with children - she's really very good. Oh she needs ballet shoes - you can have these cheap shitty ones that keep breaking ... sorry you can't have a different pair, if you buy those yourself, then you will have to import special fabric and sew them yourself. Sorry but you need to come to this appointment anyway and I will tell you all this again...

Not the best metaphor but before you judge, inform yourself

BeyondTheLimitsOfAcceptability · 01/06/2014 19:17

Wish i hadnt worked that out! Grin

But still, if one person sees that i'm actually paying close to 10 grand to lease my free (with no special adaptions either) car, thats a bonus.

FidelineandFumblin · 01/06/2014 19:18
Smilesandpiles · 01/06/2014 19:19

Sorry Beyond.

There is something seriously wrong if you don't get to keep the difference though and that's a big arsed difference.

BeyondTheLimitsOfAcceptability · 01/06/2014 19:20

My £5k example is one given on the paperwork, for a bogstandard corsa, which doesnt seem to cost full allowance. So yes, you get the leftover money then :)

My £9k workings out are for my chosen (automatic, estate) car, which costs the full allowance p/w

Smilesandpiles · 01/06/2014 19:21

Ah. ok.

Thank you for clearing that up.