Sean, what an ordeal. I see what the issues are and there won't be any easy outs.
Here are some thoughts:
1.
This would be the time to use a credit card to your advantage. I would go to a good resume writer like you've mentioned and don't stress too much about the money for that now. That is like a school loan....good debt in order to further yourself. So charge the $800 if that's what it takes. Ask to see this writer's work or examples of past resumes (preferably resumes that also show someone else's patchy work history) to determine if she's any good. Ask her a bunch of questions to make sure she's what you're looking for whether you like her approach, then use her and charge it. Credit cards are there for "sticky" situations and there to help as long as you don't abuse them, of course.
Someone in the other thread of yours said he went to a $1300 resume writer, and got valuable interview feedback, etc. That's when I think, you have to just go for it ($ wise) and make the most of the information.
2.
I think carpet bombing *all* the different areas you've mentioned is what you have to do. You sound very hesitant to start the process because you don't want to hear them turn you down. That would suck, but all you can really do is try, and if they turn you down go back again in 6 months or however long you have to wait to reapply. I think a lot of people can get turned down for things, but if they're truly driven and passionate then they go at it again *until* you get the answer you want....especially job related!
3.
Definitely sounds like you need some assistance in how to approach your interviews since you're unsure how to explain your time gaps. If you google "resumes and time gaps", a bunch of advise comes up there. One thing is for sure, you are *not* the only one out there going into the workf force later in life and with time gaps. For the sound of your education and the number of certificates you've earned, someone for certain will give you the opportunity you're looking for. Really I think so. This might take time to find or come across the right match, but that person who is waiting for someone with the strength and determination will be thankful to have found you. Just because you have gaps in your work experience doesn't mean you have to explain your whole health/finance situation. You share just as much as you want to share, less is more. If they ask how you've been supporting yourself over the past 7 years, can you just say you've been using this time for personal reasons? Really if they start hounding you about that, I don't think you have to end up caving. Go into the interview protecting youself a bit. Have you traveled at all, if so say it's been for personal reasons, travel, acuiring certificates, education. Stuff like that and keep it on a positive note even though it's not exactly what they want to hear. You can't tell them exactly what they want to hear, so don't go there. You don't want to lie but you certainly don't have to tell them about CF and SS $. No way, that's none of their buisness. Get around it with some character building and educational examples. Always, only answer what they ask. Don't go into detail when they don't ask for it, don't know if that happens when you get nervous but it could.
4.
While you're jumping through hoops and trying to get a job with any of the security departments, could you also apply for some computer gaming jobs, programming, tech jobs? That way you would line 2 directions up for yourself and maybe increase your success rate. Go with whichever one hires you first or the one that pays more.....or the one that you would be happiest doing. Since you said you've been a "computer nerd since 8yro", maybe there's an easier way to get your independance. Computer programming could potentially lead to working from home which is way easier on your health and sick days, and can pay pretty darn well. Do you create games on the computer? If you do, then you could go that route, there's money to be made there. I would want to start broadening my options, start thinking about what other naturall talents you have and go after everything. This would be part of the resume/brainstorming/carpet bombing approach.
5.
Maybe look at the next year as your long term plan and focus on this throughout the coming year, or 6 months. Can't you look and apply for jobs without telling your SS people? I would say, make the switch, use your credit card if you have to get yourself out of a jam. Better to use it to get over a hurdle, especially when it's a job hurdle and you should be able to pay whatever it is later.
6.
As far as loosing everything if you have to show SS that you're capable of working, I think if you stay where you are you could loose everything. If that income is based on your mom's and/or dad's benefits, then you'll need to find another source eventually anyways. You have to go for it, and try. Some of the meds like Tobi and Pulmozyme (I'm sure others) I've heard have their own coverages for people in need. You could check those avenues out before hand and see if that adds up. I've been boggled by how people get covered outside of CA. We've wanted to move and my husband has had a few job opportunities that would have taken us to great places, but I'm stuck as well. There isn't another state in the country that I can find that has a state run insurance that covers all med bills, hospital bill, everything....for free! It's incredible. So we're stuck here because of our insurance, but at least it's a nice place to be stuck. I don't like the sound of putting your fiance on the house deed...that doesn't seem necessary. But if once you're married and her company's benefits are good, then know you can be added to her in the future. Know also in the future, you could sell the house if need be to help as a last resort, as long as other things are in the works.
7.
Or.....you could try and get 50 - 100 people to write a letter to the government (state or federal) stating how our health care system scrooows sick people! There's power in numbers especially when you're complaining. Tell them you want them to pass a bill that ........does something to help.....I'm out of ideas. My brain just turned to malfunction mode. I'd need to think more about what the answer needs to be to help the sick with insurance issues.
If you're sick and need insurance, you can't get it. If you're healthy and don't need insurance, then you can get it. What the hell? It's just not right!
Those are my thoughts for the night. Hope they help a little bit. You gotta try and keep trying and keep trying. There's probably a ton of mispellings, but oh well.