Case: I recently graduated law school and am working for a firm with an annual salary of $195,000. My wife is an assistant English principal in a local girl’s school and receives a salary of $55,000 per year. We have three children and are considering buying a house, however we are having trouble coming up with a down payment. We spent all our savings on college tuition and it will take us several years before we build up enough capital for a proper down payment. By then, I am scared that the housing prices will double and we will be forced to buy a house in a different community or settle for a significantly smaller house.

Case: Mrs. Gold works as a Physician’s Assistant and has an annual salary of $95,000. Mr. Gold runs an online Amazon business and earns approximately $35,000 a year. With four children, their combined income of $130,000 was large enough to cover their expenses, and they rarely struggled to pay their bills. Unfortunately, one of their children was diagnosed with a rare medical condition and many of his treatments were not covered by insurance. Within a short amount of time, the Golds found that a large portion of their monthly income had to be diverted towards paying their sons medical bills. Money became tight, and the Gold’s recently received a notice from the gas company that they have an outstanding balance of over $600. They also owe $450 to the electric company, and without immediate payment are in danger of receiving a shut-off notice. While they are behind on a number of other bills, their unpaid utility bills and the looming threat of a shut-off are a source of tremendous stress for them right now.

Question: Are there any programs that can help the Gold’s with their unpaid utility bills?

Case: Rivka Newman works as a manager for a large medical supplies business and has an annual salary of $60,000 a year. Her husband is an actuary for an insurance company with an annual salary of $110,000 a year. After finding out that she is expecting twins, Rivka’s life took an unexpected turn. Pointing to possible complications, Rivka’s doctor recommended her to remain on bed rest until the babies were born. Having used up all her vacation days, Rivka faces the prospect of several months without a paycheck. Are there any options available to help in her situation?

Case: Chaim Steinberg is a Loan Officer at a busy mortgage firm and earns $80,000 a year. His wife is a part-time teacher and has a yearly salary of $20,000. With 6 children and a total household income of $100,000, Chaim’s friends assume that he easily covers his living expenses, but in reality Chaim is drowning. His biggest expense is health insurance, which costs an outrageous $22,000 a year, aside from copayments and deductibles which easily reach an additional $4,000 a year! Can he get any help?

With our community growing by leaps and bounds, more and more people are turning to the LRRC for help with navigating the health insurance marketplace. Over this past Open Enrollment period, the LRRC helped an astonishing 11,461 individuals with their health insurance needs. "Open Enrollment is always our busiest season, but this year - with Open Enrollment lasting only 45 days - was especially hectic. It was an intense six weeks, but our staff worked overtime and managed to meet the community's needs," said Sarah Sternbach, executive director of the LRRC.