N.H. asks from Casstown, OH on August 09, 2009
Need Some Advice Badly
Today i just found out that my husband lost his job and i am not sure what to do know? You see i am 4 months pregnant and we have a two year little boy and i am stay at home mom, so i am freaking out because i dont know where to start. I mean should i try and get a job or will people not even give me a chance because im pregnant, and there is the possiblity that my husband will be out of work for awhile because there are hardly any jobs out there in my area and the ones that are only pay like 8 bucks an hour, so is worth taking and having the chance of losing my house and not being to pay my bills. You see i am a complete mess and have no clue what to do or where to begin. I mean now we dont have insurance and with health care as high it is how am i suppose to have this baby. just any advice or encouragement would help thanks!
K.M. answers from South Bend on August 10, 2009
First off, if you lost your insurance you should qualify for medicaid, since you are pregnant. I was laid-off when I was 4 months preggo and was able to get on it. Also make sure your husband talks to Work Force Development and collects unemployment if he qualfies and check with them for jobs in the area. Also you may qualify for WIC and food stamps, etc. Please don't feel too proud to use these items. THey were made for people in your situation, and this is temporary. Hope this info helps!!!!
1 mom found this helpful
A.N. answers from Cleveland on August 10, 2009
Hi N.,stop for a moment and think about the things in your life that you have to be thankful for. Always remember there are other people out here in this world who are always going to be in worse situations but still survive. You are carrying a new life now and worrying is not at all helpful to the babies health stress can be very damaging to you and the baby. There are still alot of options out here for you and your husband you need to contact family friends and your church for advice in where to start. You may look into temporary public assistance. They will provide your family with food stamps,health insurance and new infant care, even a job for your husband. This does not have to be a scary situation. Any job your husband can find at this point is always going to be helpful. If you think you can work with a 2 year old look into moms working from home there are alot of great companies out there. www.infocision.com is one great company to work from home and the pay is great. N. I would hope that you and your husband have christ in you life. Believe me going to God in prayer and knowing that he is incharge of your life and answer prayers for those who really do believe is awesome. Theres always answers to all all our problems that we face we just need the right direction. God Bless you both.
1 mom found this helpful
M.K. answers from Cleveland on August 10, 2009
apply for county assistance, get on wic (milk and other food help). YOu can get some insurance through the county and they have insurance that transitions to higher incomes for when he gets back to work.
P.R. answers from Indianapolis on August 10, 2009
First things first, take a deep breath, pray and then:
He needs to file for unemployment immediately, and yes it can be done on line.
You need to find your local FSSA office and immediately file the paperwork there for assistance as well.
Then he has to hit the street and go door to door and see if he can't find a job even if it only pays $8.00 an hour and you can hit the street when he gets home and see if you can find a job even at a place like a fast food restaurant, school, or better yet a child care facility if you don't want to advertise to do child care in your home which would be your best option. If you can do child care then you have the ability to talk to other child care people to see about making arrangements to take in the children while you are having your own baby and then taking back over once you are back on your feet a few weeks after the baby comes home.
Even with unemployment you may find you are eligible for state assistance insurance.
Find the food pantries in your area and sign up at first time they are open for assistance through them as well.
Find out from your local Trustee's office about where to go for utility assistance and get signed up. You can also talk to your utility companies about any special programs they have. Contact your credit card companies if you have any balances and try to make arrangements with them to just pay the interest payments. Talk to your mortgage company etc. and see if they will work with you and accept just the interest or a lower payment until you can get back on your feet as well.
I have been out of work for awhile and looking as well, it is a tough market but there is help.
S.D. answers from Indianapolis on August 10, 2009
Have you looked in to homebirth? It's much cheaper and just as safe as hospital birth. I'd be happy to send you information and studies disproving the myth that homebirth isn't a safe option for most women. Many midwives will also work on a sliding scale and work out a payment plan for you as well.
You can also apply for government insurance. I know Indiana has a decent plan covering pregnancy. If you want a hospital birth, stay away from everything medical. Epidurals and inductions are expensive alone, plus they up your chance of "needing" a REALLY expensive section.
J.C. answers from Indianapolis on August 09, 2009
I'm almost in the same boat. We have a 2 1/2 year old, my husband was let go at the end of July. He worked for the Colt's Doctor, he was an IT tech. I worked part time at a trucking company so I could be on his insurance. Free doctors visits was hard to pass. We don't have another on the way though. Well, I finally just finished talking my employers into putting me back on full time. We need the insurance badly. I have a doctors apt Sept 3rd. I was diagnosed with the first stages of Cervical cancer after I had my daughter, and I'm worried it might be coming back. Well, he's been off for over a week now, constantly checking the web for jobs. He had a work phone and computer and we had to give them both back. I never expected that. I figured I'd lose my job, but he'd be safe. I never realized things were as bad as they are. Didn't think it would happen to us. He made twice as much as what I did. I have enough to pay for 2 weeks of Evee's daycare, water, sewage and groceries. That's it. He's allowed to get unemployment but it won't be much. Just a little over what I make now. Have him get unemployment and just keep checking online. What did he do for a living? My husband might be able to give you some websites to check. The others are right, check into Food Stamps, etc. Contact your electric/water/etc companies. They should all work with you once you let them know what's happened. So far everyone has worked with me as far as bills go. Don't go for Cobra though, it's outrageous. We were offered insurance for 540 + a month. Yeah, like I can afford that. I'm paying 150 a week for childcare now. It's a great place, but it might have to come to an end in the near distance if things don't change. Daycare worked with us and dropped it from 195 a week to 150. My parents and mother-in-law was helping, but she was working at the same place as my husband. So now it's me and my parents. It's ok, but I don't know how long I can keep it up. Get as much government help as you can. Things are tough, but they're bound to look up at some point. Tell him to keep looking. Let me know if I can be any help.
K.N. answers from Cleveland on August 09, 2009
Stop, take a deep breath.....
my husband was laid off in may, i am a SAHM of 3 and he pays child support. it's terrifying i know. We own our home and there are NO jobs. I haven't worked in 4 years and my kids are homeschooled, and I found out we were expecting again a week after he was laid off, but we miscarried at 7 weeks.
Will he be getting unemployment? It is the first thing he should look into, it will bring in a little money if nothing else while he looks.
You can get medical coverage for your pregnancy and the kids, and should be able to keep it after you have the baby should he still be out of work and he might qualify as well, your local job an family services can help you out there.
You can also apply for food stamps and WIC. It can be a stab to your pride but THIS is why those programs exist and there is NOTHING wrong with using them when you NEED to.
There are a lot of new programs available to help home owners out as well, call your mortgage company and talk to them, it doesn't hurt, and you can also call your credit card companies and see if they can defer your payments for a couple of months, some will some won't but it doesn't hurt to ask.
as far as you working, it's unlikely that you will find anything before he does with you being pregnant, but if you have the space you could look into getting certified through your county and doing daycare from your home, it can pay very well and you'll still be home, there are classes that you have to take but there are also programs out there that can help you pay for the classes, again just ask at job and family services, they are also generally who you call to get your certification.
if he's not getting unemployment, flipping burgers will still bring in a paycheck and he should apply EVERYWHERE he can, this really isn't a good time for pride to get in the way.
There are also things you can get rid of, cable, cell phones, even if you have a contract most companies have a hold policy, sprints is 6 months for only 10$ a line each month, it's better than the 90.00 I was paying. Check into all your insurance policies and see if you can cut back or switch companies or combine things to save money. It's not a bad idea to take a close look at those things every couple of years anyways, your home insurance can go up based on your credit score with certain companies. By all means though make sure you still have enough insurance should something happen.
have a garage sale, eliminate all spending outside the essentials, try cloth diapers with the baby should you still be tight financially when the time comes.
with winter coming programs like PIPP and HEAP, call your gas or electric company for an application, can really help pay those bills. certain counties also have programs for things like appliances and home repairs should you meet the income guidelines and have the need. and a lot of local churches have food banks that can help. Again it's a pride issue but you have to do what you have to do right now and you are not alone in this.
You can also speak to a Realtor and put your house on the market, the market isn't great but depending on what you owe it could put you in a cheaper place or an apartment and keep you afloat for awhile.
the thing to remember is that it will be ok, you will get through this an things will work out.
I have also heard of people who have went back to school and used student loans to help out in situations like this, but student loans are actually only meant for school related expenses and you are not supposed to use them for anything else. good luck and if there is anything else I can tell you please send me a message.
A.R. answers from Indianapolis on August 10, 2009
You would also qualify for WIC. It's pretty quick and easy to get into the program and you and your son should both qualify. We qualified for pregnancy medicaid, but not food stamps etc. because we have IRAs (not very much in the accounts, but enough to not qualify) so WIC really helps with food each month.