#Breast cancer copay assistance programs full
#Breast cancer copay assistance programs professional

Your employer: They can tell you what accommodations and insurance programs are available for employees facing a serious illness.

Here are some ways to find out where to go for help coping with the financial challenges we described.

It is important to know that help is available during this challenging time. If you are facing a cancer diagnosis, the last thing you should have to worry about is your finances. Please reach out for the support you need. Below, we have compiled a comprehensive list of resources to assist you during this extremely difficult time. The cost of traveling and parking to multiple doctors’ appointments can add up, and if you need a caregiver to help you make these trips, that can mean time off work for a loved one. Some people require the help of an at-home nurse, which may have some out-of-pocket costs. You may also need to pay out-of-pocket for rehabilitation services, such as physiotherapy, or support services, such as psychotherapy for yourself and your family. Other medical devices, such as mobility aids, wigs, or prostheses may not be fully covered. For instance, you may require some prescription or over-the-counter medications that are not covered by RAMQ or your insurance. We are fortunate that the Québec Health Insurance Plan covers the cost of medical care, but it may not alleviate all of the financial stresses that can arise from a cancer diagnosis. You may need to hire help, or other family members may need to take time off work to fill in the gaps. In some cases, loved ones are able to pitch in, but not everyone has access to this resource. This can include things like maintaining the home, grocery shopping and cooking, childcare, or care for elderly parents.

On top of any lost income, you may also need someone to take over your day-to-day responsibilities while you are ill. You may be eligible for social assistance, but such programs can be quite limited. If you do not have savings to fall back on, your situation may feel dire. This means your source of income will be completely cut off as soon as you are unable to work. Not eligible for benefits or EI: Many self-employed or casual employees may find themselves in this situation.Unfortunately, treatment for breast cancer takes an average of 24 to 52 weeks, so you are not likely to be covered the entire time. This covers 55% of your salary over 15 weeks. Eligible for employment insurance (EI): Typically, full-time employees and self-employed people who contribute to the government EI program are eligible.

#Breast cancer copay assistance programs full

In this case, most of your wages may be replaced, but it will probably not be your full wages, and the duration of wage replacement may be limited. Eligible for wage loss replacement benefits: You probably fall into this category if you are a full-time employee or are self-employed and pay into a health, disability, or wage replacement insurance program.If you were employed before you became ill, you likely find yourself in one of these three categories:

#Breast cancer copay assistance programs professional

Depending on your professional circumstances and insurance, you may be eligible for compensation while undergoing treatment and recovery, but this may not match the income you earned before you became ill. Probably the biggest factor is whether you are the primary wage earner in your household.