How do you do it? How do you get off the disability pension?
How do you get off the Disability Support Pension?
bargain huntress on 15/01/2020 - 20:30
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username checks out :)
Great reply, but I would add this
Make a frank assessment of how much your disability affects your ability to do a job. Employers are not going to give you a, permanent, job out of pity. They might take whatever employment subsidies they get and boot you out when it runs out, Apparently a pretty well known practice with other employment supplements.
Even if this happens it’s a huge win. Getting a job if you’ve already had/have one is infinitely easier. Very rare for an employer to hire someone who has never worked. It sucks. But employers see it as hugely risky. So my advice would be to take anything.
Yeah, maybe, but trying to get back the disability pension status after one of these “jobs” might be difficult. That is my main quibble with the idea. It is no use if the OP is worse off in the long run.
Training and education are, certainly, worthwhile provided they aren’t one of these dodgy rorting the a Government, and the individual, schemes.
However, it might be worth looking onto training options, and positions, within NDIS as well. Growth area and the disability might be a plus.
I hear this all the time, one guy insists that ALL HIS tax goes to keep ME (personally) not thinking it goes in bits and pieces to pay for pollies jaunts, holidays, subsidized child care for mums that want someone else to babysit their kids while they get out of the house and of course, their parenting duties.
Or better example, unmarried teens that pump em out every 12 mths have a subsidized houso place and a "secret" working" boyfriend to support them as well, not to mention the support refugees get
yeah get a life. stop whining that you pay for every gov support recipient cause you don't
I worked most of my life, also paid my due taxes and never once worried where tax went or dissed the unemployed or pensioners I just got on with my days
I hear this all the time, one guy insists that ALL HIS tax goes to keep ME (personally)
Sounds like you need to keep better company
not thinking it goes in bits and pieces to pay for … subsidized child care for mums that want someone else to babysit their kids while they get out of the house and of course, their parenting duties
not to mention the support refugees get
Never mind, sounds like he needs to keep better company
Maybe you need to keep away from OZbargain with your narrow viewpoint too
@ShannonN: Well I’ve gotta be better than that guy who calls you out over your benefit payments, plus OzB would be boring if we all had the same views.
Childcare you respectfully have no clue - we pay about $55k after tax per year for it. Without a subsidy that would be $75k per year, which even I couldn’t afford on a reasonably high income. Mrs would have to stay at home instead of work, govt gets less tax than they would’ve paid out in subsidies and everyone loses.
Refugees - I can’t really explain it in words. Maybe try a picture https://www.nytimes.com/2019/06/25/us/father-daughter-border…
I agree with you on pollies and housos that game the system though, can’t decide which group makes me sicker.
@jay lol i had the same journey through that comment. nearly pozzed him
I got news for they aren’t your tax dollars. There is no such thing as taxpayers money. They just slogans to cause outrage in people like you.
Living in countries without a safety net for the weak and vulnerable is genuinely horrifying. This article may help explain it to you, from a news source I’m sure you trust.
https://www.foxnews.com/world/malnourished-chinese-student-d…
A decent and compassionate society is sick of the attitude of people like you…
my friend went for a job cleaning trains and passed the written test with flying colours but the fat cats made her stay on the dole
Who exactly are these "fat cats" that made her stay on the dole?
Sounds like nonsense.
The ones handing out the jobs They gave them out sparingly so they could keep their own fat pay checks
How dare they not give out jobs to each and every applicant, the scum!
@Cheapo Moose: practically anyone can clean a train, its an entry level job. But they have set it up so they can stay on the gravy train while others do the dirty work
maybe they had more than enough good applicants for the number of positions they were trying to fill
you might be confusing "fat cats handing out jobs sparingly" with "people who spent a few seconds thinking about how much work actually needs to be done and the number of people required to do it"
@crentist: this applicant spent 18 weeks doing a TAFE cleaning course, and topped the written test out of the applicants. They should have been at the top of the list.
@screensaver: any way, no worries, she ended up getting free money she didnt have to work for thanks to their wise tax payer funded decisions
https://www.productreview.com.au/
https://www.finder.com.au/?futm_medium=cpc&futm_source=googl…
https://insurance.qantas.com/wellbeing/qantaswellbeingapp
Dont follow others ppls lies and crappy thinking life mentality, the best things in life are free, and it dont cost you any money or troubles, lots of crappy people out there who think just cause they have a job with a title means they are better then the rest, bs to them, looking down on rest ppl. If you can share knowledge that helps changes lives, that proof that you don’t need money to make dreams come true. Don’t let someone who has a title make you feel lesser then them.
Believe in yourself, and that it’s ok to be on Centrelink and on a disability pension, in your current stage of your life, maybe if your a real dr,then you should keep your mouth shut. If only there was a network of people out there who had the guts to be and do what they wanted to be.
I got a job that does not pay at all, infact the job I choose actually cost everything I saved, owned, created over the years, and given away to I believed who Share and pass on my ideals. Im happy and truly proud when I can see a person take a risk and give it a go and see that unattainable dreams are the bests ones. Seeing positive ppl at the end of day smiling is the best payment anyone could receive. But lately all I see and hear is ppl complaining and whining about themselves all the time.
Go out there and look for a job. Kinda like dating, it's a numbers (and standards) game. Look for enough jobs and lower your standards enough, and you'll find one.
It is so so incredibly difficult to get on the DSP (I have a disabled son and had to apply for the pension for him when he turned 16), you should never jeopardise being on the DSP or take it for granted. It is a blessing to be on it to be honest and we have to be thankful we live in a country where they have a welfare system that gives out pensions to people who need them. There is no shame in being on the DSP at all.
Being on Newstart is less money and way way more stress as centrelink is always making you report.
It's great that you want to work. I don't know the exact amount, but I am sure you can work part time (earn up to so much) while on he DSP, so perhaps you can ask centrelink how much that is.
Can you make things at home and sell them, maybe sell plants from your home. What is our passion? What are your interests? Can you find a way to monetise what you like to do?
You may be able to get back to work help through the NDIS. That is really what the NDIS's goal is, to get the disabiled back to work. So if you needed OT, physio etc the NDIS can help with funding for those things if the eventual goal is to help you get back to work.
Start your application for the NDIS now, you will need it and getting it approved will be a full time job. As part of your plan you'll need to set your life goals, which will include getting a job. Once that is in your plan you can use NDIS to put you in contact with an agency to assist you in finding work.
have you done it?
Yes, but our requirements and therefore experiences are very different to what you're describing, so I can only give general advice.
i get it.
how long did you spend doing your application?@bargain huntress: We had a support agency do almost all the work, we just had to tell them our goals.
getting into the workforce can be tricky. maybe start with some volunteer work to build up your resume.good luck
Can't understand why you want off the DSP! Newstart is a pain, being chucked in with a job provider, they mess you around heaps, ain't worth it, since they never get you work anyway. On disability support you can do paid work or volunteer.
Your best bet is to ring a disability support provider, they handle people who have disability support and get them into the workforce.
You seem to be under the mistaken impression that being on the DSP means you can't work.
You also seem to be mistaken that receiving this money makes you poorer than not receiving it.
You also seem to be confused as to how to make the payments stop.
Together, all of these impressions lead me to to conclude that you are of diminished cognitive capacity, perhaps are not able to live independently, and almost definitely cannot be expected to maintain gainful employment.
Tldr: stay on the DSP, you need the DSP, you have a right to receive the DSP. There is no shame in receiving the DSP.
You have perfectly summed up the OP's situation, and I agree completely with you.
Unfortunately, if you are correct in your postulations then the OP is also unlikely to take your comments as anything other than a personal attack, and no benefits will be gained by anyone.
I was hoping the part about "rights" and "no shame" made it not a personal attack. But I really didn't want to tiptoe around the issue either. Clear and direct seemed the way to go.
Thank goodness we are a country with something like the DSP. We all could be in a position to need it one day.
stay on dsp. volunteer for work. with NGOs or NPOs where you may trade up to a job. contact welfare groups which can help with your bills, food vouchers etc. a long slog. many people cannot find jobs. so do not feel that DSP will go against you.
You can work 15 hours a week with DSP. You can study and volunteer as much as you like. Start there.
What is on your top 100 dreams in life?
Write them all down, then…
See which ones you can do whilst still on DSP.
Then, come back and update us (:
Do you like the idea of buying a van or a tent and traveling around picking fruit?
What's your condition that qualified you for DSP in the first place?
My guess:
1. Severe and irreparable mental illness.
2. Unable to comprehend own helplessness
3. Chronic narcissism to show others such mental illness.
4. Confined to a mental institution or health support housing unable to do it alone, limited access to Internet, no phone, no unsupervised visitors, controlled medication.Hey, as stated, several doctors indicated OP is not ready for flying solo through life.
What else does anyone needs!Centerlink is saving us of further calamities.
You are welcome.
What a happy ray of sunshine you are.
@mubd thank you for the LOL of my day
@LFO
WOW
i will try to be as polite as possible - because i am also going to make massive assumptions about you and conjecture - that you have some kind of experience that is combining here with your ignorance - that you are projecting onto me.
do you know someone in such an unfortunate situation? who has hurt you? my sincere condolences.- no
- perhaps?
- no
and what the? this doesn't make sense. narcissistic personality disorder doesn't include 2 or 4, and i am unaware of any other mental illnesses than involve chronic narcissism, and why would showing people your mental illness indicate narcissism? - no
fyi in australia to be forced to take medication (or to be confined to a mental institution against your will) you basically have to be suicidal and/or homicidal https://www.sane.org/information-stories/facts-and-guides/in… being unable to make good decisions for yourself doesn't cut it alone
Centerlink is saving us of further calamities. You are welcome.
like me murdering people?
Hey, as stated, several doctors indicated OP is not ready for flying solo through life. What else does anyone needs!
how do you, or i, know if they are right? that is the question.
@lainey
i probably shouldn't be too specific?
i have two that qualify me
they combine and mix to be several physical and several neurological issues
you could also perhaps argue there is a third psychological component - but it is not one of my dsp qualifications
Hard to make suggestions without know your restrictions. You know yourself and your capabilities so maybe instead of posting what you have you could post what you know you can do ? Then hopefully you get more help. You have to figure out how to earn money legally and maybe aim to supplement DSP as best you can without going over the limit. Would be hard to work for someone doing some bog standard limited job with set hours so working for yourself might be better. Air tasker? Cash in hand small jobs? Buying and then selling stuff for profit ? Volunteer and make connections in case that leads elsewhere ?
Is there anything you can do to work for yourself, even if it’s just a hobby at first? eg starting your own cleaning business, setup an online eBay store.
For anything more tangible I’d go down the volunteering route to restore a sense of purpose, build skills and get references.
Being one of the very limited people on here who has actually gone through what you are describing I thought I should let you know what I did.
I was in your position about two decades ago, so no NDIS but was on the DSP. I injured my back on the job, ruptured a disc that was compressing a nerve in my back that resulted in limited movement and numbness combined with pain. I was practically bedridden.
Being on DSP is boring and depressing. All your friends are busy working, buying houses raising families etc. And there are only so many movies you can watch. No Netflix or Facebook…
I started doing online courses in different areas, eventually I found that the courses I liked the most involved math/physics. So I did a degree in engineering. Over a period of 5 years and physio I got to a point where I could move around but just not lift heavy objects and I had completed my degree. I then got a job in engineering and got off the DSP. Office job with lots of flexibility and ergonomic assessments.
Tldr; studied, got a good job in a professional environment that takes disabilities seriously and not just for the kickbacks from government.
Glad to read that. Inspiring!
Contact Centrelink and say that you want to be referred to a Disability Employment Services Provider.
DES providers generally give you more time of day than jobActive (e.g. for people without significant disabilities) providers. Explain to the DES provider that you want to work despite being on the DSP and keep an open mind when it comes to work that you feel you are medically capable of doing.
If all else fails, one option is to ask the DES provider to link you in with an Australian Disability Enterprise (or 'Supported Employer'). The wages are minimal at ADEs, but you'll have constant support from managers and supervisors who are trained in disability support. This way you can 'graduate' your entry (or return) to employment, gaining valuable experience, earn a wage, and potentially use it as a stepping stone to mainstream employment in future.
Not sure how to say this, so blunt will be…
You haven't provided enough information to have any more than random uneducated comments.
I'm not sure this is an appropriate place to discuss the issue properly. You're going to need to provide a lot of personal and private information for anyone to have a chance to actually help you.
I can guess you're having issues, coming from a place where you feel like you don't have as much control over your life and want a better life but you seem lost in where to start. I've seen some of the signs over the last couple years. I'm going to suggest seeing a few social workers, talk to them about your circumstances and see if they can provide you guidance to point you in the right direction. It'll take lots of trial and error and course corrections. One thing I'm going to say, others can only point you in a direction. In the end, you have to take the responsibility for your own destiny and work your ass off to make a better life a reality.
Last but not least. There are a lot of opportunities out there. You have to find the opportunity that suits you. This can also take a lot of trial and error.
Are you literally not allowed to get a job? I don't understand.
I wish I could get my wife ON a disability pensionWhat skills and talents do you have that may be marketable?
I was on the DP a decade, I have both mental & physical disabilities. I got off it years ago, while still on it & getting worse, I didn't know I had throat cancer, for years. Only 1 in a hundred people get off it, besides from dieing. If you really want help, contact me. A job, while your ill etc is to hard most of the time. Helping others & starting business's saved my arse, from the effects of being the DP. Good luck either way.
Have an upvote.
Your reply would have made the most sense here. The other people are just flaming this thread and not taking it seriously.
I feel almost like this thread should be locked, OP is an individual with a disability and everyone's trying to mock them.
Pretty Shameful tbh.Thanks. These are the 3 business, I started that not only got me off it. But now my wife and I are now self employed and she quit her job. Our eBay business 16stretch, I started with nothing, just kept trading. Airbnb,
https://www.facebook.com/409871669354009/posts/9347219402023… It started out as just a side gig.haha. not so now. I was lucky to buy bitcoin a few years ago. And I rent Utes on carnextdoor and put a few cars on to help people to get to cancer treatments etc in outlying area of Melbourne I still suffer with fatigue & suicidal thoughts and flashbacks & pain & some discomfort from arthritis etc, my memory is effected from all the pain etc. But to live as I choice and be creative. I'm so fortunate it's incredible. We all have problems, do you focus on the solutions or the problems? One will change your future, one damages it and spoils now.
It should be said that once you get off disability support, it is extremely hard to get back on it if you ever need to.
Op, do you already have a job lined up?
To answer your question :
1. All DSP recipients are able to engage in paid employment for less than 30 hours a week without their payment being suspended or cancelled, and receive a part‑pension subject to the usual means testing arrangements.2.If a DSP recipient starts working for 30 hours a week or more, their DSP will stop, but it may be suspended (that is, held open) for up to two years, rather than cancelled. This means that if the person starts working less than 30 hours a week within two years of their DSP stopping, they can return to DSP without having to claim it again. People whose DSP stopped due to working 30 hours a week or more continue to have access to the Pensioner Concession Card for a year from their DSP stopping.
So to get off DSP, you need to get a job, up your hours to 30+ per week and you will be off it within 2 years.
Take those Udemy courses that keep showing on Oz.
Learn new skill.
Go on Fiver.
Profit.…
10 years later…
…
You made name for yourself, now everyone want to hire you.The question is how do you get on it, go to the city and speak to some homeless people, or better read this: https://www.abc.net.au/news/2020-01-15/chinese-girl-died-aft…
I hope your brains now of less burning cells rather losing cells.
Ozbargain never ceases to amaze. A thread like this making it to the front page.
why is that amazing?
I tend to agree with you, Bargain huntress. The heart of Ozbargain is people helping each other.
It sounds like you would like to work. We don’t know anything about your disability - what kind of work are you capable of doing? Do you have any skills/qualifications/experience? Have you done any job hunting?
BH you've been really articulate in your responses on Ozbargain here, and shown a lot of grace in spite of some the appalling comments (although I suspect you knew that was coming, OzB is nothing if not predictable). I think there's the standard '9-5' job that's probably out of the picture for you right now, but there's also the job that fits what you can do currently. What sort of attention span do you have at the moment? You can obviously write so that in itself is a huge start. Could you do a job that largely involves sitting at a computer and using a phone?
Good luck for your NDIS application too.
I may be able to assist if your in Victoria. Let me know.
If you are not already seeing a DES provider via Centrelink, you could ask for one.
Or if your current DES provider isn't helping you, I believe you can ask to change:
https://www.jobaccess.gov.au/find-a-provider
From various comments you made here, you seem to be able to read and comprehend very well. You also seem to write very well. Perhaps start writing on sites like Medium and get paid? Just my 2 cents without having to ask what your disability is.
You are best placed to decide if you are able to work and clearly you feel you are able. There are many office type jobs where you are littrally just sitting at a desk all day and this can be done even by a person with a disability. I know as I have one of these jobs. I think the first thing you should do is have an honest conversation with your doctors; convince them you are able to work or learn why they feel you should not be working. From you responses so far I already know you are smart and intelligent and more than capable of using a PC. Look at https://www.apsjobs.gov.au - these are government jobs and they are mandated to actually fill a certain quota with disaabled people - some jobs are only for disabled people. I respect you want to fight for a better future and I wish you well. Good Luck.
Ah not very helpful your read.
Make to-do lists to organise things in your life.
Get a white board for the fridge and keep a weekly to-do list for outings.I am suggesting that organising yourself better might be of value.
Even if it doesn’t get you off the dsp it will give you hopefully a more progressive perspective to your life.I know a guy who's job is to sit at home and verify search engine results are good. Probably you can do work like that? (profanity) the government, no way they would make you pay back Dsp if you can't live day 2 day, just cry and at worst they would put you on a repayment plan for $10pw.
Someone wanting to get off disability and not onto disability..it’s a miracle..good work OP
Probably would be a good start to see a job provider that offers disability employment services (DES provider). Such as Nortec, Tursa, Octec, ETC. Not all of those providers will have the DES program but if they do they will have links to organisations that offer employment for people with Disabilities. I would be starting with seeing if you could gain employment before looking to cut your income off. Plus the concessions you receive on the DSP are a huge help financially. I'm not too sure why you would want to cut yourself off the DSP if you qualify for it.
Welfare is addicting, and DSP (+ old age pension) are a comfortable sort of poverty compared to the Dole. DSP is hard to qualify for and easy to lose. Once lost it will be very hard to requalify again if you become sick and unable to work. Don't quit unless you are absolutely certain you won't need to fall back on welfare again until you reach 67 years of age.
If you have been on DSP for a long time, it ill be very hard to find someone willing to employ you for anything other than the most menial and poorly renumerated of jobs, like mowing lawns or delivering pamphlets. Self employment is a option if you have skills (eg fixing computers), or you could wait for a position in the government bureaucracy (they probably have quotas for disabled people).
An update.
NDIS wise;
I have made a several hour paid appointment.
with a support organisation for one of my disabilities (that I have some experience with and at least a minimum level of trust of).The appointment is to make a plan for an application - a pre-plan-plan?
im confused but from what i can gather they are going to explain the NDIS to me and help me work out what i need so that i can apply for it. or something.the ndis all sounds very complicated. i don't even know where to start. so i guess maybe it will help.
but they think if i am approved i could get thousands of dollars of help. which sounds like it might help me change my life. so i guess it is worth trying.
Best of luck with it all. Hope you get a decent deal out of this. It is a shame this Government doesn’t look after the disabled as well as it does its mates. Maybe you should’ve applied for a sports grant?
The government does a good job of doing what is best overall for the revenue we create.
Lots of treatments and medicines for people are hundreds of thousands of dollars per year, fully subsidised and you just pay a miserly sum to receive it/them. Then there's the safety net when spending over $1000 or so of your own money. The government spends more on medicine and medical treatment than any individual does with their own cash.
Have a look at some of the stories that are out there in relation to people getting their entitlements. Frankly, this Government does a piss poor job with spending our money wisely. Given we have Universal Health Cover I would think that the individual is, generally, paying less than the Government on their medicine; but it depends on the individual and the medical complaint they have. I reiterate what I originally posted, I do wish the OP all the best and she would, probably, have to go through a lot less hoops if she was going for a sports grant than trying to determine the best way to manage her disability through the maze of red tape this Government puts in front of people.
@try2bhelpful: Go and ask a pharmacist if you want a first hand account of how much the government spends on medicine prescriptions alone.
Only so much money to go around, and lots of due process and evidence is required. It's the way the system needs to be in order to make itself most effective.
@Oofy Doofy: health is a significant cost, as it should be; my issue is that the system is unneccesarily burdensome on the people who need it; they are, often, in the worst position to defend themselves. As shown by the Sports rorts - the Government is more interested in what will get them elected, or looking after their mates, than actually using a fair and equitable procedure. Say hello to "RoboDebt" which they had to backtrack on when people started threatening to take them to court. They treat NDIS as a piggy bank for funding other projects. My issue is not how much they spend on health now it is how much more efficient, and equitable, they could make the process if they actually gave it a priority instead of demonising the people using it.
If your this overwhelmed get an advocacy service now.
Another update.
I had that ndis pre-plan-plan meeting with the service i'm familiar with.o.m.g.
the process for applying is so overwhelming.
i don't know how i can do it. i feel like if i could do it - i wouldn't need the ndis!
i can get an occupational therapist on the ndis.
but to get an occupational therapist on the ndis i need to already have an occupational therapist to write a report saying i need an occupational therapist.
but i would need an occupational therapist to get functional enough to be able to apply for the ndis.
and frankly i might need an occupational therapist to get functional enough to organise to get an occupational therapist.it's like a catch 22 inside a catch 22 inside a catch 22 inside a catch 22. like a turducken.
Sad to know but not surprised.
And now you know why I said above:
Start your application for the NDIS now, you will need it and getting it approved will be a full time job.
Think of it as work experience :)
that it is a good way of thinking of it
thank you
:)
I feel like I walked into a boobytrap.
Getting the form seemed like the logical first step.
I went to the website and it said to phone to request a form. Which i did.
What the website and the phone operatior did not mention was that once you request the form there is a 21 day deadline to get the application finished!
That is completely impossible.
Now I have to try get an extension. Probably a series of them.
So anyone reading this: Getting the form IS THE SECOND LAST STEP. DONT GET THE FORM until your application is nearly ready.They are complete tossers. I think the idea is to make it hard as possible so people give up. Best of luck getting through the maze.
thanks
I think the idea is to make it hard as possible so people give up.
i think you might be right.
the more someone needs the ndis, the more disabled they are, the more impossible it would be for them to actually apply for it.
i don't see how someone in my situation or any worse (and a lot of people would be worse than me) who doesn't have anyone - a family or carers of some kind - could do this.
Fortunately I haven’t got to deal with this but I’ve had some really frustrating issues with help desks lately. One “Einstein” told me they had no record of the previous conversation I’d had with their help desk, like it was my fault they didn’t. They weren’t, in the least bit, embarrassed by their organisations incompetence. I asked to speak to the Supervisor so they put me on hold, for a long time, then hung up.
Only just came across your question. I don't know your circumstances or the latest rules & benefits of the DSP, but have had to deal with it for a family member in the past.
Any updates on your progress?
Seems you wanted to leave the DSP to have a better financial position. Understandable.
But get the latest information.
Know the rules of the DSP.First, are you getting all possible payments on the DSP (rent assistance etc).
Consider other payments - there was an Education Supplement to help people improve their ability to find work. Better to be prepared for your new life & maybe earn more!
Seek advice about support to find work etc. There may be specialist services to help in the transition. (I think you've covered this.)
You can work & still qualify for the DSP. It can be a support as you support yourself more.
Check the rules & requirements for returning to DSP. There used to be 1 year after leaving the DSP - in which you could reapply easily for the DSP. Again - it helps to know your options & have a safety net - just in case.
Consider the concessions you might lose leaving the DSP.
Talk it over first with the Government's independent Financial Information Service.
https://www.servicesaustralia.gov.au/individuals/services/fi…
They give options, produce spreadsheets outlining those options in your financial circumstances.
Based in some Human Services (Centelink) offices. Make an appointment for a sit down chat.
I've seen the same officer over many years discussing my Father's pension - he's professional & very friendly.
Found them very good & give impartial advice. They can explain the rules, calculate any support available & could recommend a path off DSP.
Generally, going off DSP - it may be impossible to return to it. So consider why you are on it.
Ignore uninformed opinions of others. You know yourself best.
Seems like on medical grounds. Consider if another form of income will improve or harm your medical condition. Your health is paramount! As others have suggested, volunteer to be more work ready & make contacts.
And in the current uncertain times & likely high unemployment into the near future - make sure you make good choices!
For many, the rules to apply for DSP have changed since they were awarded the Pension. It would again require an assessment by your medical professionals, applying, then be assessed by a team of specialists appointed by the Government. It's a long slow process! You know - you've been through it.
OzBargain is probably not the best place to discuss a personal & medical issue.
Many here may never know what it's like to lose their health, and then their work, relationships, interests… the life they know.
It can happen suddenly. Most don't want to think about that possibility. The invincibility of youth!Maybe discuss it with your GP. They may have other ideas, refer you to a psychologist or other profession to be able to talk through issues, help you understand what you really want, & work on a suitable strategy with you.
Good luck.
Tell us how you're going with your quest👍
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I wish you luck.