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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Financial Snapshot: Gathering The Information You Need To Create

Employment Benefits

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Check the following benefits which can provide an addition to your net worth.

Insurance Plans

Your employment benefits will be described in a document generally titled something like "Summary Plan Description." This document summarizes your Health, Life and Disability Insurance plans as well as any Retirement Plan.

If you don't have this summary, ask your employer and/or union for a copy. You are entitled to this information from your employer under federal law as well as various state laws.

If you have a retirement plan, ask how much your interest is worth on the day you ask. If you haven't received reports lately that tell you about the finances of the plan, this would be a good time to do that as well.  

Short Term Disability Benefits

Find out if you are entitled to any short-term disability benefits which are mandated in some states. Your state Labor or Insurance Department are good sources of information about the terms of the benefit including what it covers, how much it pays and for how long.

Other Benefits

If you are not familiar with your employer's policies about vacation and sick leave, this is a good time to ask "just in case."

"Just In Case"

It may be that you will need time off or other accommodations because of your health condition. Asking about other benefits may be a good time to learn about your employer's policies, and whether your employer is friendly to people with your health condition. Whether an employer is friendly can impact whether you want to disclose your health condition at work. There is time later to learn about laws that protect you in this area (such as the Americans With Disabilities Act and Family and Medical Leave Act).

This is also a good time to look for an advisor  at work in case you need one later.

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