If your husbands income is even a dollar or so.. ours being twelve dollars..past what they figure your income should be. You cant get help. Hes on Medicare, cancer in the picture now for him.. Hopefully they got it all, but if not his bills could mount up, and I had a 1,495 dollar a month spend down.. Unless Im hospitalized I dont get help. Just to go see my dr. is 143 bucks to walk in.. after a while things can mount up. Its all so sad for people who really need help. Yet others can get it that just flat dont wanna work.