Reply to "critical illness insurance/loss of work coverage"

I'm assuming you have multiple clients since you are self-employed.  Is this causing you to loose clients or just the work?  In other words has your income dropped by 25%, assuming a 4 week month the loss of 1 week is 25%?  

Is it doing more harm to your business than 25%? Are you loosing clients or are you unable to add new clients?

I use to be self-employed before my j-pouch and would work longer hours when I was feeling better to cover for time off.  I have no idea if your business can work like this.  I believe there are disability benefits in Canada.  I don't know if you would qualify for them and 75% of your income is probably more than disability income. I wish you could just increase your pricing to make up for the loss but assume you are already maximizing your income so that's not an option.

About adhesions....... I needed 4 daily doses of hydrocodone, do to the adhesion pain caused by them, but only had partial blockages that didn't require hospitalizations. Unfortunately my j-pouch failed. That also caused part of the pain.  8 hours during 2 surgeries were devoted to lysing adhesions. The surgeries were first to divert and then to remove it.  I still need hydrocodone for pain but much less than before the surgeries. 

I mention this because they were lysed during a laproscopic surgery and then during an open surgery.  The laproscopic surgery was less evasive than the open and I'm wondering if it's possible for them to do something laproscopically for you. In my case they wouldn't operate just for the adhesions either.  It's been 3 years since the 1st surgery and 2.5 years since the open removal surgery. The adhesions haven't come back or if they have they aren't causing more pain or obstructions.

Sorry you are going thru this.

 

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