The social worker can then help you determine if you meet the eligibility requirements. If you are having difficulty working because of the effects of your illness, you may be eligible for vocational retraining. If you think you have been discriminated against either in your present job or in finding a new job, there are grievance procedures available to you. Job retraining or reentry programs are available for people who return to work after staying home to raise a family. Ask your hospital social worker for information about these programs.
Some people are temporarily unable to keep up with routine utility expenses and mortgages.
If you think you are headed toward that kind of problem, don't wait until a crisis develops to do something about it. Approach your creditors before they have to contact you. Most utility companies have payment plans that can be arranged during periods of financial crisis. Banks often are willing to reduce mortgage payments temporarily or until you are able to get on your feet again. Ignoring a problem won't make it go away.