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  • Hello lovely people!

  • This tuesday my wonderful wife and I celebrated our three year anniversary

  • [transition sound]

  • [soft acoustic guitar music]

  • [singing] I lose my breath whenever I see you

  • [continued singing] you stole my heart

  • what is it that you do

  • my life was grey, till you added colour

  • [transition sound] what, you didn't think there would be a cheesy montage?

  • trust me, I have more where that came from

  • we actually have an entire Instagram dedicated to our love

  • it's called @jessieandclaud, follow

  • if you enjoy adorable and occasionally quite cheesy lesbians

  • I say occasionally, but...

  • we met in 2014, the year that same-sex marriage,

  • which - by the way - is just called marriage, became legal

  • but this video is actually about marriage equality in that sense

  • although, here's another wedding photo

  • no, today I'm actually going to tell you about how I was made to choose

  • between marrying the woman I love, or half my income

  • because, as a disabled person

  • I was penalised for getting married

  • [angry] hmmmm

  • because apparently disabled people don't count as full humans in their own right

  • we're just meant to be other people's burdens

  • subscribe if you too enjoy getting angry at the government

  • because I have all too polite British rage,

  • and I need to smile-scream my way through it

  • I should preface this video by saying that I'm both very British

  • and very privileged, obviously

  • I was able to marry the love of my life

  • despite us both being women

  • we weren't shunned or arrested when we came out

  • and I've never been in fear of my life from homophobic idiots

  • because, let's be honest here, homophobia is merely a lack of information and education

  • we're not coming for you, homophobes

  • relax

  • I'm also very privileged, as you'll find out at the end of my story

  • because I didn't end subsequently starved to death

  • spoiler: I'm still alive [bell sound]

  • I met Claudia a week before I graduated from university

  • in fact we had our second date the night before my graduation ceremony

  • I already knew that I liked her so much

  • going to that date with her was more important than resting up for the next day

  • or curling my hair for the ceremony

  • it was obvious that there's something special and electric about her

  • and our connection just made my heart clench everytime I thought of her

  • and caught the breath in my throat when she was nearby

  • throughout my final year of university

  • which I had been doing part-time

  • so I could manage my disability and poor health better

  • I've been working for a local TV station that was just set up in my city

  • it wasn't a lot of work, just kind of the odd filming or presenting job here and there

  • for new segments that would then go out online

  • and add just kind of tastes of the programs to come

  • the station planned to go live about a month after my graduation

  • and they'd offered me a guaranteed job with them

  • which was amazing!

  • I was leaving university and walking straight into a media job that I really wanted

  • I had always wanted to go into broadcast

  • whether that be in front or behind of the camera or probably both

  • I love creating stories in a really kind of visual format

  • hi, Youtube

  • whether that's fiction or documentary

  • I-

  • I'm working on becoming the next Lucy Worsley

  • I just can't tell you anything yet

  • well, that is such a niche reference

  • please tell me if you're also a Lucy Worsley fan so I don't feel like a loner

  • anyway, I knew I didn't have all the skills yet

  • I want to get better at editing and filming and timing and presenting, obviously

  • and I loved the idea of being out in the workforce

  • having work friends

  • having a place that I went to every day

  • and did - *work*

  • since getting ill as a teenager I'd kind of just assumed that wasn't ever going to be an option for me

  • and to be fair at one point I thought that living wasn't going to be an option for me

  • so the TV station: it was really small and really...underfunded

  • but I knew that it was a great starting point

  • they were also really flexible and didn't mind when I said that I could only work part-time

  • they also...didn't pay me

  • which was...not excellent

  • so I went from being a student, with a student maintenance loan

  • which is a thing that pays for your food and your rent while you're a student

  • but you then have to pay it back with interest

  • and a maintenance grant, which is money you don't have to pay back

  • because the government realised that not all of us start on a level playing field

  • and those of us who have further to run up the hill need better shoes

  • aye, being a disabled student is even more expensive than the normal financial drain that is further education

  • I wasn't paid for my work at the TV station for the first four months I think

  • and my only source of income was my disability allowance

  • which I had been receiving since I was seventeen and was - I think at that time - about £250

  • for the care side and £350 for mobility

  • so that's about £600 altogether

  • and my rent was £500 a month

  • so I had £25 a week

  • for food, bills, including council tax, and disabled body maintenance stuff

  • including caffeine and toiletries, which I get through really quickly and you don't need to know why

  • let's just take a moment to point out that the food I needed to buy

  • as someone on a medically restricted diet that mainly involves protein - it's really expensive

  • I started with money left over from my student loan and grants that kind of kept me going for a while

  • but I had to cut out a lot of things, including my physiotherapy sessions, that cost-

  • I think around £60 a week

  • and yes, you don't get physiotherapy from the NHS when you have a long-term health condition

  • joy

  • I sound royal, but please don't assume my parents paid for everything

  • thank you

  • I know that there are a lot of people who do a lot with far less

  • and they are amazing humans

  • but I wasn't on top of things, and I couldn't be

  • it's not really possible to meal-plan, when you are unable to get off the floor for half the day

  • and are not entirely sure what day it is anyway

  • honestly, I'm filming this and I have no idea what day or time it is

  • I also had the hurdle of being not very able to walk great distances and thus struggling with public transport

  • so I tended to take taxis to work, and unfortunately, taxis are really expensive

  • shocker

  • the taxi thing though - it seems like such a luxury to some people, and I completely understand that

  • but at the time, I didn't have a full-time carer, I didn't have a partner, I didn't have someone with me 24/7

  • and you can say "Oh, Jessica, you seem fine and rational now!"

  • I do, cause I don't film when I'm not doing well!

  • but I do still have to live

  • looks can be deceiving, my voice is deceiving, my ability to list the kings of England is deceiving

  • I have chronic fatigue, a broken body and brain damage, I'm not great at looking after myself

  • I would get hungry, realise I hadn't eaten in 12 hours

  • use the bus, to somehow wander to a shop, but be so exhausted by the time I got there

  • that I could not remember why I was there, or what was going on or why my feet hurt so damn much

  • so I get upset, which...was not helpful

  • and I'd have to get myself a diet coke, which does help

  • and sit down for a bit so that I could pull myself together

  • and then walk around the shop and kind of collect random but cheap things

  • and by the time I got to the till I would be drained and my feet would have turned inwards and be purple

  • and I'd be in terrible pain, and I'd *know* that getting the bus right back was the "right" thing to do

  • but I just couldn't do that to myself

  • so I called a taxi, my, what a luxury

  • but then, Claudia started to come into my life more, and she, along with a friend, helped me to set up housing benefit

  • where the government helps you to pay for your rent

  • and I think they covered £350 of the 500

  • so I only had to pay £150 a month from my rent

  • I also started to get paid by the TV company, the grand total of £500 a month

  • which probably worked out to about £3 an hour

  • yeah, I was rolling in the dough

  • to supplement my earnings, I was signed up to a program called ESA

  • Employment Support Allowance, this is an out-of-work benefit for people who are too ill or disabled to be in work

  • there are two groups you can be classified into: one where you're expected to be looking for a job,

  • and one where they just assume that you'll never be able to have a job ever

  • I was classed into the second group, which was a relief, because otherwise I'd have to attend classes

  • at my local job centre, and show that every day I had actively tried to get a job by emailing companies

  • handing in my CV or going door to door and asking for work, which-

  • what even?! you already know the person is ill, why are you expecting them to also be able to be using

  • all of their energy searching for a job that they won't be able to handle and you know they won't because

  • you already booked them on the benefit in the first place!

  • the government is full of painful and gaping loopholes

  • in order to receive my ESA allowance of £480 a month,

  • I was encouraged to take on a part-time job, but told I wasn't allowed to work more than - I think -

  • 16 hours a week or to earn more than £500 a month

  • after these changes and my bills I probably had £150 a week

  • which made me feel rather flush and very fancy

  • but to be fair, everything feels amazing after living on £25 a week, it's not hard to feel rich after that

  • the only problem was: these benefits were all conditional on my remaining single

  • were I to move in with someone officially, or even have a person in my life for a period of time - I think it's like a year -

  • then I would be classed as no longer single and lose all of these new benefits

  • why, you may ask? oh, well

  • capitalism is inherently ableist

  • when people who do not rely on benefits, and can we just point out that disability benefits exist

  • because being disabled is actually really bloody expensive

  • and that's why part of the British Disability Benefit is not means tested, because you could be a millionaire

  • but you're still going to encounter costs

  • that are forced upon you by an unequal society

  • and it is only right that the balance is adressed!

  • when people that do not rely on government benefits get married, they often qualify for new and positive things

  • like tax breaks, lower car insurance premiums, health care savings

  • the ability to speak for each other in legal situations

  • genuinely, one of my cousins got married, cause she had a car crash, and then realised that - wow -

  • her boyfriend of 15-something years wasn't actually allowed to talk to the doctors

  • however, when disabled people get married, they are faced with losing life-saving resources

  • and this stretches all the way back to the eugenics movement

  • oh yes, I'm taking it there

  • between the 1920s and the 70s in America,

  • more than 60.000 people with disabilities were forcibly sterilised

  • in the attempt to gradually rid the gene pool of traits that were considered "undesirable"

  • the 1927 Supreme Court decision upholding sterilisation Buck v. Bell

  • has never actually been formally overturned

  • oh yes! that's still happening!

  • courts in some states continue to accept requests from guardians of people with disabilities

  • for their sterilisation

  • the Supplemental Security Income - SSI - a federal program meant for Americans with disabilities

  • with limited resources or over the age of 65

  • is only available to couples with $3.000 or less in assets

  • and that is a cap set in 1989

  • 30 years ago!

  • and has not risen with inflation

  • you could probably buy a house for that back then

  • okay, I don't actually know that much about the American property market

  • in regards to real estate and inflation

  • but I do know for sure that £3.000 is not as much now, as it was then

  • and - fun fact - if two people receiving SSI were to get married, their benefits would be reduced by 25%

  • because people are less disabled when they have someone else to be disabled with I suppose?

  • obviously, as I'm from the UK I don't know that much about the American benefits system, but, in researching it for this video

  • I was shocked to learn about the Disabled Adult Child Program, which is apparently linked to your parent's work history

  • and entirely disappears upon marriage!

  • wait, what, why? because you were your parent's burden before and now you're seemingly someone else's

  • or just not disabled anymore?

  • why so stupid, program? why?

  • but if you think that's bad, the Office of Inspetor General and Social Security Administration

  • can determine that a cohabiting couple is "holding out the community as though they are married"

  • i.e. acting like a couple

  • and then strip them their benefits anyway!

  • hm! so you don't even have to get married to lose everything

  • you just have to act as if you genuinely like each other

  • [gasp] quick, stage a fake fight in public so no one thinks you're acting like you're actually married

  • oh no, wait, married couples can do that too, uuuh

  • nevermind

  • look, financial indipendence is important. I don't want to ask my wife for pocket money for the rest of my life

  • I'm not a 12 year old

  • I want to be an equal part of the relationship, and I want to be able to make my own money, feed myself

  • and not feel like I'm just a burden on everyone around

  • living with a disability is incredibly expensive

  • which is why many disabled people rely on wellfare programs

  • however, to qualify for these wellfare programs, people must remain living in poverty

  • if you make just a litlle money over that cap, then you fall in this grey area

  • of making too much to be to be helped for free, but not actually enough to pay for the help yourself

  • the disabled community has an unemployment rate of 18%

  • it is utterly and patently ridiculous to include a partner's income into ourown

  • and why is it a terrible idea to boil a person down to their financial contribution to society

  • and assume that the non-disabled people in their life are capable,

  • both emotionally and practically

  • of caring for another adult?

  • well, currently half of disabled people are abused by a partner or family member

  • so clearly it's not a great idea

  • when you make someone, who likely already has problems leaving the house independently

  • financially dependent on another person, you are cutting off their only chance of escape should things go wrong

  • and you're also bringing the incredible awkward element into the relationship that is dependency

  • when a non-disabled person marries someone with a disability, they have to consider not only

  • if they love us or not, but also whether they're just up to the financial and emotional challenge of having to provide for someone else

  • we all have baggage, but some bags are elephant-sized trunks

  • so

  • back to my story though

  • in Rome, on my 26th birthday

  • 4 months after meeting her, Claudia proposed to me

  • as we watched the sun set over the Colloseum

  • did my financial situation make me think twice about saying yes to her?

  • [chuckles] no, did it hell

  • [laughs] of course not, I cried, and I was too overwhelmed to even say yes

  • so I just nodded alot and we kissed and I thought I was gonna die from happiness

  • [sniffles]

  • cause like I said

  • I have the overwhelming privilege of my soulmate being someone not only makes enough money to

  • support two adults, but also is a wonderful human being

  • who I knew would never use that against me. I knew I was safe with her.

  • by the time the wedding came around

  • my job at the TV station had ended due to "creative differences"

  • more commonly known as: YOU OVERWORK ME AND DON'T PAY ME

  • but it was actually- it wasn't fully my choice so...

  • and then came the most wonderful day of my life

  • September 3rd 2016

  • beforehand we used to be very dismissive of people who said that their wedding day was *the best day of their life*

  • and I just like to say that the day I met Claudia was actually the best day of my life

  • but our wedding day was also pretty fabulous, because it was the start of our marriage and

  • honestly being married to Claudia is

  • the best thing that I have ever experienced

  • since we're in our marriage I was cut off from my ESA

  • - that's the benefit for being too disabled to have a job -

  • plus any help with housing had already gone and I was back to just my disability allowance of £600 a month

  • but minus the mobility component now so it was £250 a month to live on

  • [sighs]

  • but this time, I had Claudia taking care of paying bills and buying food and also driving me places

  • yay!

  • thank god for that

  • I also lost acces to free prescriptions, because Claudia made above the minimum wage and [deep breath]

  • that...has absolutely nothing to do with how much medication I take daily to survive, but..

  • sure

  • but what if she hadn't been able to make enough money by herself to cover the two of us?

  • well then

  • not only would we have not been able to get married we wouldn't have been able to even live together

  • we would have had to make the choice between being able to eat and being with the person we love

  • and sidenote: we're kinda addicted to each other

  • it's a choice that people are forced to make every day

  • and not just disabled people, families who live below the poverty line are often forced to live separately

  • or else be unable to feed their children

  • and how is that in the best interest of anyone?

  • I spoke earlier about dependency, and it's not just a big domestic abuse angle

  • that you have to look at, but also little things too

  • I have many times have to face the uncomfortable situation of being out for dinner with Claudias friends

  • or family, and everyones pulls out their cards to pay

  • and she has to cover me, and everyone's kind of aware

  • that I can't actually pay for myself

  • or, having to ask for money to buy socks, even

  • I'm a freaking adult!

  • stupid capitalism

  • it cuts you up inside!

  • but then, slowly, and then quickly [laughs]

  • my YouTube channel took off and now I make my own money

  • and I can buy socks whenever I want!

  • and treat my wife to lovely dinners and pay for my own medication

  • and not have to panic that at any moment the government are going to come and tell me off and cutting off the money that is keeping me alive

  • every ad, that you're watching my videos, every merch item purchased

  • every Kofi donation, everyone's signed up to Kellgren-Fozard-Club

  • - and I'm especially grateful to you for providing me with a regular monthly income -

  • helps me to be my own independent person

  • and it is hard to talk about money when you're British

  • so this is - this whole video has been very challenging for me

  • erm, and it is also difficult to talk about money on the internet

  • when you make your money through the internet

  • but please know that I'm so incredibly grateful to all of you

  • thank you. for helping me to live my happy life to the best of my ability

  • please share your own stories and what the situation is like in your country in the comments below

  • subscribe if you haven't already and I shall see you in my next video

  • thank you again

  • [blows kiss]

  • [outro music]

Hello lovely people!

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結婚したらお金がなくなった【CC (I lost money when I got married [CC])

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    林宜悉 に公開 2021 年 01 月 14 日
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