William C. and Elaine Gaskins - Page 21

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                  Health Insurance                                                                         
                  From 1982 until 1986, the Gaskins family had no medical                                  
            insurance. Beginning in October of 1986, when Mr. Gaskins was                                  
            approved for his retroactive Social Security payments, he                                      
            received Medicare insurance coverage;5 his hospital insurance                                  
            coverage was effective retroactive to January of 1984. These                                   
            insurance benefits applied to Mr. Gaskins only, not to the other                               
            members of his family. During 1989 to 1991, the Gaskins received                               
            several past due notices related to medical charges. On November                               
            6, 1990, Mrs. Gaskins was approved for public assistance which                                 
            entitled her to free medical care. Mrs. Gaskins' secretarial job                               
            at the Schuylkill County Courthouse, which she began in May of                                 
            1992, now provides medical insurance for the Gaskins and their                                 
            daughter.                                                                                      
                  Other Resources and Assistance Received                                                  
                  During-the early 1980's, Mrs. Gaskins' father gave them                                  
            money. Mr. Gaskins' sister gave them several hundred dollars.                                  
            The Gaskins did not repay this money.                                                          
                  In 1982, the Gaskins sold a piece of undeveloped real                                    
            property for $7,500. The Gaskins had purchased this 5 1/2-acre                                 
            property in 1970 for $200 at a tax sale. Of the proceeds from                                  

                  5It appears that Mr. Gaskins did not elect to take the                                   
            supplemental medical insurance coverage retroactive to Jan. 1984                               
            which was made available for a cost of $500.70. This cost could be                             
            paid in a lump sum, or deducted from the next 21 monthly benefit                               
            checks.                                                                                        





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