When a medically fragile family gets the notice from private insurance that services rendered by a medical provider are not a covered benefit, yet the services are required to keep their child well, it becomes financially stressful. Money that was allocated for groceries, vacations, education, upkeep on house and car, or other children in the family, now must be reallocated to pay for medical services not covered. The results can be less groceries, no way to decompress from life and a job, no repair funds for a house or car, but most importantly, other children cannot be spoiled. There are no big Christmas gifts, no big birthday gifts. At the end of the day if a car breaks down and requires an expensive repair or appliances in the home need to be replaced, it is financially unaffordable. Most medically fragile families use credit cards to pay for medical services not covered by private insurance, however once they have the credit card maxed out, they have a new problem. Bankruptcy is very common within the medically fragile community.

Medically fragile families often need to host fundraising events, like garage sales, and other events. Some families qualify for grants for medical reimbursement. This is the life of families who do not qualify for SSDI. For those families who do qualify for SSDI, they often receive additional benefits not covered by private insurance. When families have a medically fragile child, the child should be a qualifying factor, thus allowing the child to receive the required medical services and allowing the parents to work.

Those who qualify for SSDI is in the hands of politicians. No major changes have been made to social programs for decades. The only changes that have been made consistently is who qualifies, effectively forcing citizens off such programs. When used appropriately social programs aren't a handout. What they are is financial assistance to those who need it the most, medically fragile children.