The cost of being disabled

Lynley Adams, who recently wrote for us about becoming disabled later in life, has discovered just how much it costs to be disabled. From mobility aids to new clothes that are comfortable while sitting in a wheelchair, it all stacks up. It’s fair to say, she was staggered by it.

When I became disabled nearly three years ago, the very last thing I thought about was the cost. I had suffered a catastrophic spontaneous fracture to my sacral bone (the bone at the base of my spine). This in itself was terrifying and life-changed. But added to that, I was left with nerve damage, which means my left hip/leg is in constant severe pain.

In many ways, the meaning of the word ‘cost’ to me is the ‘cost’ of losing my independence, my ability to walk, my hard-earned career and the ‘cost’ to my partner and family of my intense, chronic pain needing continuous care. But there is also a financial cost to being disabled that I never even thought about before, but that very quickly became apparent.

First of all was the loss of my income. I was the Head of Department for a six-member team in a large secondary school. My income was hard earned, but very welcome. I was very lucky.

But once I became ill, there was a slow decrease in my salary. Suddenly I was dependent on state benefits. That mean pulling in every purse string possible; every treat, every takeaway, every trip to the cinema. Everything that wasn’t absolutely essential had to go. That all coincided with being told that the damage was permanent. So as the realisation about my disability increased, my income declined.

Then came the need to get a wheelchair to get around. I wasn’t eligible for a wheelchair on the NHS because I needed to have had a spinal cord injury to qualify, so I had to buy my own. I’m not able to use a manual wheelchair as bending over to touch the wheels causes me excruciating pain, so I needed to buy an electric scooter or a wheelchair.

As I am sure many people know, these don’t come cheap, and they definitely don’t come free! I managed to find one that was relatively comfortable and had enough battery life to actually have a day out without being stranded in the car park of B&Q (trust me, I’ve been there, it’s no fun at all!).

Cost: £1,500

In order to get out for the day, my new wheelchair needs to fit into our car. The boot of our old hatchback was a relatively spacious beast. It managed to take most of the wheelchair, except for the seat, which had to go onto the back seat.

But eventually, that became a bit of a pain, so we turned to Motability. The team there sorted us out with a much more appropriately-sized car, which included the best present EVER – a hoist for the chair!

This means that it can now be neatly and oh so cleverly lifted into the boot in one piece. We were thrilled – it was all our Christmases come at once! But, as usual, there was a cost. The upfront payment was fair for what we were getting, but it still was cold, hard cash that we had to scrape together.

Cost: £1,600

We also need to make alterations to our home. Thankfully, the council came out to assess our needs and gave us two elevated toilet seats, four sofa raisers and a handrail, all for free.

But, we still need handrails at the front door, alterations to the bathroom so I can actually bathe (which was impossible at the moment) and a ramp at the back entrance so I can get down the steps into my garden.

With so many changes, and the fact that I cannot climb the stairs in our house, we’re now thinking about moving to a bungalow, so the cost of that is yet to be factored in. Watch this space…

Projected cost: A LOT!

Hidden costs of being disabled

One of the ‘hidden’ costs I recently discovered is clothes. My old clothes no longer sit right when I’m sat in my wheelchair. My suits, which I lived in because of work, are too structured and uncomfortable to sit in all day, so I have shelved the majority of them.

But it doesn’t end there. Jeans with thick waistbands, long jackets and deep v-neck tops are all a no-no. Waistbands dig in, you’re basically sat on a jacket and v-necks look totally different when sat down. Trust me, it’s not ideal when you’re in a supermarket queue and the man standing next to you has a literal bird’s eye view of your cleavage!

Even buying new shoes is now tricky. All my old shoes had a heel (I’m only 5 foot 3 and a half inches) and they’re not massively comfy when your feet are on the foot plates. So I’ve had to buy all new shoes. It may sound frivolous, but hell, I’m a woman, that’s allowed!

Cost: £200 (approx)

Another ‘hidden’ cost is the extra gas/electric you need when you’re at home every day. The central heating, lights and TV are on for longer – it all adds up.

Cost: £25 a month (approx)

Then there’s transport. If my partner isn’t available to ferry me around I have to pay taxi fare.

Cost: £150/200 a month (approx)

The real ‘cost’ of being disabled

All in all, I need a lot of extra cash than I hadn’t bargained for. This, combined with a huge drop in income, equals a very stressed and anxious me.

I would love it if there was more help out there. The help the council offers seems to vary widely, depending on where you live. Any benefits I get are constantly being reassessed (or so it feels). My PIP benefit does help to counteract the extra costs, but very often is doesn’t stretch far enough.

The stress that this all causes is one of the biggest costs.

It’s costly in emotional terms, in physical terms and most obviously, financial terms. We all struggle to ‘get by’ as best as we can, disabled or not. But if you are disabled, there is a real need for more help to make all the adjustments needed to live life again.

But there are also some silver linings to this grey day…….

  • I now spend every day with my lovely partner and, whilst some would find that a real challenge, we have found that being together has helped us through these tricky times.
  • We love going to the theatre and cinema and my CEA card gets my carer/partner in for free!
  • My Blue Badge gets me free parking and free travel over the Severn Bridge to visit my family, so that’s a definite money saver!
  • My electric wheelchair enables me to beat my nieces in any race – that would never have happened before. It’s a hilarious plus!

By Lynley Adams

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  1. This is an excellent post. It’s actually quite frightening when you add up all those costs. Everything has a price in life, and with a disability, the price is emotional, physical and financial.

  2. That’s a great insite to the costs of being disabled.i like Lynley have become a Disabled person through an injury, I am still at the stage of finding out which of my injuries are permanent and which could possibly be improved, but the likely outcome after 17 months is that the damage caused by breaking my back and compression of my spinal cord will be permanent. it has opened up an all new world where by I have to think how I do things not just around the house but while I am outside as I get about on crutches for now but I think in the future I will need a wheelchair.the costs do mount up quickly when you start needing aids but at the moment all that I need for around the house has been supplied by the NHS. Things will change when I look at moving back home, wether it will be suitable is still up for debate and what I need altering will be decided by wether its structily viable and at what cost.I don’t drive so for all my appointments my friends and family very kindly take me so the Blue Badge is great for that and when we are out and about for the day. Time will tell what my future holds but out of something bad something good has happened for me in the way of Disability Snooker, it’s fantastic takes me away from every thing medical and I travel around the country and abroad meeting new friends

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