Earlier this week I posted about the financial burden of cancer. I posted part of my financial burden story so other cancer patients could understand they are not alone. Since that time I have received many messages from cancer patients asking if I knew how they could get financial help. In this post I will briefly mention just a few ways to get some financial assistance. This list is not even close to exhaustive, and I will probably blog on other ways in the future as I discover them.
A lot of cancer patients I’ve spoken with have mentioned that the initial diagnosis and treatment is what really hits them the hardest; financially speaking that is. It is during this period that many cancer patients are unable to work full-time, have medical bills piling up, and tend to get behind on other bills. For some of these people fundraisers were the best way to get past this burden.
I won’t write too much about fundraisers. In the future I plan to do a bigger post about how to do successful fundraising. But from what I’ve learned it is very important to have some sort of third party to truly get a fundraiser to work. That may be good family, friends, coworkers, churches, or local charity organizations. Without help from others I’ve been told fundraisers tend to fizzle.
Voluntary and nonprofit organizations
For many people fundraising is not an option. But there are many organizations out there to help cancer patients financially. I would suggest anyone looking for financial assistance to do a web search including the name of their particular cancer along with the words “financial assistance”. There are an amazing number of organizations out there trying to reach out to cancer patients with information, support groups, and financial support.
My particular flavor of cancer is non-Hodgkin’s follicular lymphoma. When I searched “non-Hodgkin’s follicular lymphoma financial assistance” I found an organization called the Leukemia & Lymphoma Society (LLS). LLS is a great resource for those of us dealing with blood cancers. One small part of what LLS does is provide financial support to those in need. There are quite a number of programs available through the LLS. These programs include (but are not limited to) a co-pay assistance program, a $100 stipend for those being actively treated, a patient travel assistance program (which is currently fully subscribed), and a $500 stipend for urgent needs. Not all of these programs are available for everyone. But even it they are not available it is worth searching out similar organization on the web. The time put into searching for financial assistance can be well worth it.
Another resource is the Cancer Financial Assistance Coalition (CFAC). CFAC can help when searching for financial support. At this site you can search for organizations providing financial assistance in the United States. The search takes your location and diagnosis, then it lists organizations which provide financial assistance meeting your criteria. I’ve noticed LLS actually comes up as one of the organizations when I search my diagnosis. Going to this site may be well worth time for cancer patients in need of financial assistance.
Organizations outside of the United States
The organizations I spoke about above were focused on cancer patients in the United States. Through online support groups I’ve heard many other countries have organizations specific to them. An easy way to find some of these organizations is to search your type of cancer with “financial assistance” and your country. Here are a few examples using the countries of people I know who read this blog:
- Canada: Lymphoma Canada – This organization has some good resources to assist with prescription drug coverage.
- England: Macmillan Cancer Support – This organization has some good financial support resources. I’ve noticed they also include a support line to connect with a financial guide to figure out finance options available.
- Australia: Cancer Council – This organization can put people in Australia in touch with local organization to provide financial counseling. I’ve also noticed they can assist with transportation for those going through cancer treatments.
The above list is only a small sample of what I was able to find online. I think the important thing to remember is that there are organisations out there that can help! These organizations are also in need of volunteer or donations for anyone looking to help out.
Financial Lifestyle Changes
Even though I am mentioning this last, making some lifestyle financial adjustments is probably the most important step to take when being financially burdened with life-changing conditions such as cancer. Most of us going through cancer end up making changes in how we live from a health perspective. This is good, and many of us probably should have made some of these changes sooner. But I have found it is just as important to make financial lifestyle changes.
Someone I respect a lot mentioned she has to budget each year with the plan that all out of pocket maximum will be used. I think this is great advice. At first I thought “well, we already planned on doing that”. That is kinda true, and kinda not true. We had planned on budgeting this into our personal finances, but we haven’t actually sat down and determined how much that will be. It is quite likely as a family we will have to stop spending money on other areas of our life in order to accomplish this. My family had already started down the path of re-prioritizing our finances a couple of years ago, but now it is time to actually come up with our plan. More importantly we need to stick with that plan. Some of the changes we have made or plan to make include:
- Going camping. This is a great way to vacation on a budget.
- Eating out less often. We have already dramatically reduced the amount of money we spend by eating out less often. I believe if we work even harder we can reduce our food costs even further.
- Buying less stuff. In the modern world there is so much stuff that can be bought. A lot of this stuff simply isn’t used. I’m trying become that grumpy old dad that by default says no to buying anything new unless a good reason is given to do so.
- Cutting down on non-essential entertainment. For Cable TV we cut that down to just the basic package. We do still have Cable, mostly so we can view the local news and weather. At the same time we have cut going to the movies down to a rarity. To make up for this we watch movies on Netflix or Amazon Prime. That move alone has saved us hundreds of dollars per year. Another change has been to stop traveling to large concerts and instead going to local smaller concerts. I spend a fraction of the money going to smaller events, and still have a good time doing so. Cutting down entertainment expenses doesn’t mean getting rid of entertainment.
There are other changes we have made or plan to make. But I think the above items give an idea of what those of us with a chronic condition have to consider. Yes cancer sucks! Yes we have to make changes because of cancer! But that doesn’t mean we still can’t live life to its fullest. It just means we might have to make some adjustments; especially on the financial side.
I’ve rambled long enough
I see that I’ve already written well over a thousand words, a bit of a no-no according some blog experts. Really all I wanted to say in this post is that for anyone suffering financial hardships due to cancer that there are ways to get some relief. This can be through fundraisers or by getting help from voluntary and nonprofit organizations. At the same time it is important for those of us suffering a chronic condition (such as lymphoma) to understand that certain financial lifestyle changes are also necessary. In the future I hope to do posts highlighting other financial options available to cancer patients.
Today’s Song – With a little help from my friends!
I’ve shared the song With a Little Help From My Friends on this site a few times. Usually I prefer the great cover by Joe Cocker as opposed the original Beatles version (which is also great). Today I thought I would share a version performed by Paul McCartney and Ringo Star about a decade ago.
This is actually more of a love song. But writing about financial matters brought this Barenaked Ladies recording to mind.