You can make a short term plan in an emergency, but you will need to make longer term plans if you or a family member has a progressive illness.
Gallwch wneud cynllun byrdymor mewn argyfwng, ond bydd angen i chi wneud cynlluniau i’r tymor hwy os oes gennych chi neu aelod o'r teulu salwch cynyddol.