Fight to live independently
I wanted to ask you all for your advice and see if this has happened to anyone else. So I’m already in the process of getting an apartment alone. No roommate. And I’m already on the waiting list and pretty high up on the list. I found out from my insurance company that apparently there is a stipulation in my contract with the state of New Jersey, which states that because I receive the maximum amount of hours of PDN(private duty nursing) services, I am required to have a live in backup caregiver. Meaning, a roommate, family member, somebody else who live’s in the household with me. So basically, according to the state, I’m not allowed to live alone ever since I receive nursing Services. I think this is absolutely ridiculous and unfair. They are literally dictating where I’m allowed to live and how. It feels like a total violation of my rights. Especially for a person who has full mental capabilities. It should be my choice. I’m currently living with my mom but she is 65 years old and not getting any younger. Not to mention the fact that we do not get along well at all. She resents having to help me with anything. So why do I need to be here & live in misery? I also made the argument to my insurance company saying, so if my mom died in a car accident tomorrow the state would force me to move out of my home and go into a nursing home?? It’s idiotic. Insurance is trying to fight for me but we still have not gotten any answers. Again, the stipulation in the contract is from the state, not the actual insurance company. The insurance company is trying to help me fight the state. Has anyone else come across this issue in their state? Wondering if anyone has some advice. It’s not like I’m a rich person who can hire a top-notch lawyer to fight this. I just don’t know what to do. Because if I take the place anyway, and they find out about it, they will cut off my nursing services. Any advice or information would be greatly appreciated!