Perhaps you chose to ignore my question, or don't feel comfortable replying to it. If so, that's understandable. I am still wondering, though.

As for SSI/SSDI, this is from a website about the SSI/SSDI programs:

The main difference between Social Security Disability (SSDI) and Supplemental Security Income (SSI) is the fact that SSDI is available to workers who have accumulated a sufficient number of work credits, while SSI disability benefits are available to low-income individuals who have either never worked or who haven't earned enough work credits to qualify for SSDI.

While many people don't distinguish between SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance), they are two completely different governmental programs. While both programs are overseen and managed by the Social Security Administration, and medical eligibility for disability is determined in the same manner for both programs, there are distinct differences between the two programs.

Perhaps it seems like an unfair system, but the fact according to the government is that you're low-income or you aren't. If you aren't, there's not much choice but to work within the finances you have. If, however, you are low-income you can apply for a number of government programs and get help for medical care, food, housing, and so on.