I think Pig came closest to what I was thinking. Offer to go over what they have, where they're going, etc. Don't accuse, don't get flustered or angry.
I'm sure they don't like the situation much either.
Are the disabilities permanent? Can they work at all?
By offering to sit with them and go over how best to manage their limited finances, you come off looking more like a friend and less like an ogre.
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Don't blame me. I didn't vote for either of'em.
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