I feel ya Tom! the other part of the story is that we where refered to welfare by soc. sec. and they said of course that I made tho much $, but that we did qualify for their "spend down" program. All I have to do is spend $584 a month out of pocket, and they will pick up the tab after that! lol but believe it or not I actually spend that on her With her first two Dr. appt. in the month! so it actually benefits me some, but as always there are restrictions.