Well she sounds kind of manipulative, what sort of insurance is it though? because for instance with like health insurance not sure if its the same in all states but if you get on SSI you can probably get medicaid...not sure what to do about other insurance I don't have any my self since I have no income. As for cell phones how much is your bill? maybe with the SSI you would have enough to cover it yourself. Otherwise you could switch to something cheap like Net 10.......if you get the pay as you go phone its quite cheap and I am sure you could afford it with SSI.

Sounds like some more independence from your mom would help you, I feel the same about my situation though my mom isn't holding anything like that above my head but she wants rent when I get SSI and I kind of want to save up when and if I get it to try and move out. But there are other options if that is the way your moms going to be about it. Seems your best bet is probably to listen to the doctor.