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A friend of mine and coworker came down with cancer and will be in treatment for up to a year unable to work.

so far the 2 weeks of sick leave are done. she has expensive drugs to pay even though she has insurance. she estimates she has about 1 month of savings and 5 months of putting everything on creditcards.

first it is sad that she may die due to lack of money!

2 with all the bennies my company has all she gets is 2 weeks?

if i wreck my bike and break my leg i'm ok for 3 months? wierd.

If she ran up all her good credit paying for drugs she would be in debt for life. under the new rules there is no debt forgiveness.

so she may live a few more months then end up with nonstop calls from creditors then die any way due to lackm of funds for drugs and treatment. oh yea once the 2 weeks of sick leave is over and she can' t pay for the med insurace and the company lets her go she dies.

great country my ass i have fought for this country for 12 years only to see my father loose benifits as a 24 year vietnam vet adn people like beth loose life for what what is this great power for but to protect it's CITIZENS!

I go to county and see nothing but you know getting free treatment all day.

By the way my father was promised medical and dental for life. now i have to come up with 10gs to fix his teath.

so much for defending the country. as i do every time i put the uni on.

sorry for the rant bad spelling and punctuation. but i am sad and dismayed by the state of our great power and lack of care for our CITIZENS.

Please don't think i have anything but a patriotic heart adn pur love for the usa I just hate our pur policies of money or die.

peace.
 

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That sucks. No short term disability from your company? We get short term, I think it's only 6 weeks. I pay extra to get long term disability, but it probably has a time limit, too. It's scary that you can come down with a debilitating illness, can't work, and then can't affort the meds. Very scary and very sad. I wish her the best.
 

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All governments suck.

So that is a given but what makes the USA great is NOT the government it is the people. So what are YOU doing to help? There is coworkers, churches and charity orginizations that might be a source of help. Step up and help your fellow man (lady) :thumb: All that might be required is a positive attitude helping to guide her some to find the help (I am sure she is scared and depressed). Even if the company lets her go there is COBRA, how about an office pool to help her? As far as the debt, who cares help her LIVE then worry about the minor stuff.

Just some thoughts :idunno:
 

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I was lucky in having six months temporary disability through my employer, as well as the industry standard insurance. I ended up using all but a few weeks of my disability - didn't miss a paycheck, thank God. In hindsight I would, as a motorcyclist, get additional coverage for what your employers insurance doesn't cover.

I've still spent over $25k out of my own pocket on what happened to me.
 

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This is a subject that I do know a little about.
My wife was diagnosed with stage three cancer in April 2001.
I will not put you all through the details of all we went through (if anyone has any questions, ask).
But here are a few things we have learned:
An illness or injury of this magnitude will take everything you have physically, mentally, emotionally, spiritually, and financially to deal with it.
Sheep and Smooth are right, friends, family, church, fundraisers, etc., are all important, if not essential. There are programs out there that will help if one is diligent to ask, seek, and knock, and keep doing so. Main thing DO NOT give up! In ANY way, no mater how hard it WILL get.
Doctors, Hospitals, diagnostic services, will work with you financially if you ask and are truly willing to pay.
Steingar, universal health care, at least in any situation I have seen so far, IS NOT THE SOLUTION!!!! Trust me you DO NOT want your life, or the life of someone you LOVE, at the mercy of any government!
What is this woman's name? We will definitely pray for her.
 

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Didn't mean to say it was, just that it was vilified in my view a bit unjustly, considering the aims.

Best of luck, that's a tough break. I hope it turns out OK.
 

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Universal health care would create more problems than anyone currently has. It is the wrong answer to everything.
The right answer is to get both ST and LT disablility insurance.
 

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not that it matters too much because I dont make that much money and am still partially dependant on my parents while i work my way through college but I do have disability insurance that pays out for injuries. $500 a digit and $75 per stitch after 3 stitches. Plus life insurance and all that jazz..
 

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not that it matters too much because I dont make that much money and am still partially dependant on my parents while i work my way through college but I do have disability insurance that pays out for injuries. $500 a digit and $75 per stitch after 3 stitches. Plus life insurance and all that jazz..
Life insurance is probably not needed (who is dependant on you)

But back to the main issue for Repeater

You might also call the National Cancer Society. While providing financial aid is not in their realm (I think they focus on cure only) they are very likely to be able to point to those that can help.

The main thing is that you help her get thinking positive and acting rather than in woe is me mode. It is perfectly understandable that she would be depressed and scared (almost anyone would be) but it is not good for her long term survival. Good luck and make a project of her, the rewards will last a lifetime for you.
 

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Up in here in Canada, in the land where we all love each other and hold hands singing each day, we have universal health care.

I'm a fan of universal health care as it's a basic level of health care for everyone. But this idea that it is a full and complete solution is mistaken. It is very much just a basic level of health care. There is plenty of stuff that is not covered.

Drugs, for one. And if you're seriously ill, it might be your biggest expense. Then there's outpatient therapy, home nursing, child care, all the stuff you have to pay for, because you can't do it yourself any more. Not to mention the lost income from not being able to work. What's covered under our system, essentially, is hospital treatment. Nothing to sneeze at, certainly, but also not enough to get you by. You will still end up spending all your money before the ordeal is over.

And as for non-critical illness, even in Canada, dental, eye care, and a whole host of other health services are absolutely NOT covered by the "universal" health care plan.

Almost everyone needs to have a benefits plan to get proper health care. The benefits plan should include ST disability. Even that, however, might not kick in until a few weeks after you've been taken off the job, and might not last as long as you think. LT disability is very important, but the definition of the policy is critical. There are "own occupation" and "any occupation" policies available. "Own occupation" means that the policy keeps paying you until you can return to your old job. "Any occupation" means the policy pays you until you can return to any job at all. And that is a very big difference.

In Canada we can buy something called catastrophic illness insurance. If you're diagnosed with a given list of illnesses, you get an immediate lump-sum payment, within a very short time frame of being diagnosed. It can be a real saviour in a time of need. But it's expensive. I'm not sure if it's available in the US.

--- D
 

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The Canadian Heath Care still does not cover everything and the social system in place also will not support most people’s standard of living. That being said I am luck to have and had employers in the past that offer every affordable long term disability, the way it works is that you get 100% for two weeks then 80% for short term 15 Weeks then after that you go onto long term at 66% of the Gross Pay. This will continue as long as you need it.

Living for 66% of your normal pay will not be easy and some sacrifices will need to be made, but it does give you a fighting chance.
 

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I am intimately familiar with cancer. A young family member is in the midst of a battle, that at this point she appears to finally be winning, that has lasted almost a year.

The cost has been enormous, even with health insurance.

The emotional cost and toll has also been immense. Among other things, it cost her new marriage. (But screw that punk anyway)

She is lucky in that her parents have money, good insurance, and have the luxury of time to support her ( a Mom that wasn't working).

And it's still been tremendously difficult.

You have to get long term disability insurance. You HAVE to. It would be nice if the government took care of it, but they don't. And if they did, you wouldn't get nearly the treatment you would get if you personally arranged for a way to pay for it (privately owned insurance).
 
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