When most people think cancerThey imagine Physical losses It takes: weeks of chemotherapy or radiotherapy, or Multiple surgeries And visits to various specialists.
What is often lost in the mixing of the playing paper is the financial repercussions. Because if you are Survival from cancer Or not, the diagnosis is often an explicit bankruptcy ticket. In fact, about 25 % of cancer patients Either they lose their homes in front of the mortgage or bankruptcy.
Lyn Replainger, a school teacher with Metroclated breast cancerShe has a wife that helps to cover the bills that come with her treatment. But she knows if she is single, life will look completely different.
“I have many friends online and they are in this position, and they usually have to get Gofundment to help them,” she said.
How cancer affects your money
Find the right doctor, choose the treatment plan and determine the type of surgery among the first ideas after diagnosing cancer.
Unfortunately, any of these options can affect your ability to work. Even if you are able to maintain your job under the Family and Medical leave law, you may end in the need to obtain an unpaid vacation.
Staying alive from cancer can leave you with lifetime problems that can hinder your ability to work. A poll found only that About half of the survivors of cancer Work full time. Even those who have been free of cancer for years still report less and take more disease more than those who have never been diagnosed.
And since about 45 % of those with cancer are at work age, there is a huge group of cancer patients whose years of work are severely affected.
The survivor of cancer Molly Calin says that the care provider is often needed to help patients through treatment, surgeries and visits to doctors.
Reublinger says when you need to travel for treatment, her husband has to spend a work vacation to take.
She said: “If the roles are reversed, it will be a real problem for me.”
The cost of cancer treatment
While some types of treatment are covered under health insurance plans, more medications or experimental treatments are often excluded. Some prescriptions can cost thousands of dollars per month, which leads to some patients to collect donations over the Internet – or worse than that.
Klean, who survived cancer and the upcoming computers of “It is not about me – how to be your own lawyer through cancer”, appreciates her cancer journey cost her about $ 10,000. Fortunately, she says, she had a good insurance that covered a lot of her care, including the three months she needed around the clock after the bone marrow transplant.
Some prescriptions can cost thousands of dollars per month, which leads to some patients to collect donations over the Internet – or worse than that.
Know that her experience was out of the ordinary and that most people can easily spend this in just one year of cancer treatment. The largest cost factor for cost? Any kind of your insurance coverage.
Calin said: “The bottom line is that people do not know what to secure them until they have to use it,” Calin said.
Calin says that one of the biggest things that people may not realize is that if you cannot work because of cancer, you will have to either pay the price of a cobra or buy a special insurance. Depending on your family’s financial affairs, you may also qualify for medicaid. And if you are the insurance holder for your family, this can also affect your money.
In the Kallen case, Cobra costs about $ 3,000 a month, which is a far -reaching amount for many families.
The costs can last after cancer
Many people do not realize that even if your cancer is in remission, you may still have cancer expenses. This may include medications or treatments to prevent cancer from repetition. You may also need photography, blood or other procedures regularly.
Calin said: “They definitely decrease, but the costs are still present,” Calin said.
“I am in the stage I am trying to look at my money to find more money for these integrative services because it really helps.”
If you end up in part or completely after diagnosing, you will take your future diving. This can cause a great ripple, which affects the amount you can provide for retirement.
Reblasger, which hosts “It is the company that we keep” PodcastShe says her cancer affects her every day. She had to take a leave from absence because she was no longer able to stand for more than 15 minutes at a time. Many additional treatments and services that help them feel better – do not disturb various nutritional supplements, massage and acupuncture – completely insurance.
“There are a lot of things that are very good for you that cost a lot of money,” she said. “I am at the stage I am trying to look at my money to find more money for these integrative services because it really helps.”
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