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Daycare Center and Family Home Forum>Big Decision, Not Sure What To Do!
LindseyA 05:54 PM 03-19-2015
My husband has a great job and is the main "bread winner". We (2 kids, myself and my husband) are on his insurance which is good as well. Bad news is, he just got diagnosed with rheumatoid arthritis and in his case, it's very aggressive. His doctors are stunned at how rapid it's going through his body, at his age... He's 33! They said that he will more than likely be so disabled he will have to stop working in ten years. Now I know that he could be fine well beyond that, but it's a huge concern. If and when he has to stop working, my daycare income will not cut it. And obviously we will lose his insurance, etc. Should I stop doing daycare so I can get into a job and be well established by the time he has to stop? Should we just wait and see, since we don't have any idea when he will need to stop? Ugh.
Thriftylady 06:10 PM 03-19-2015
It is hard to say, but there are benefits available for those who encounter these situations. Don't be afraid to use them if need be, you pay for them!
Josiegirl 02:50 AM 03-20-2015
Oh no 
I would definitely be asking questions of his doctor, anyone you know, for advice. There must be support groups, groups with benefits, that sort of thing. And yes, I think you do need to be proactive because that time will fly. Insurance, unfortunately, is so expensive, it definitely has to be a consideration when you work, if you're going to be losing his.
Wishing you good luck!!
I would definitely be asking questions of his doctor, anyone you know, for advice. There must be support groups, groups with benefits, that sort of thing. And yes, I think you do need to be proactive because that time will fly. Insurance, unfortunately, is so expensive, it definitely has to be a consideration when you work, if you're going to be losing his.Wishing you good luck!!
LindseyA 03:57 AM 03-20-2015
I am so undecided because our kids are 8 and 5. So if I work elsewhere we need to look for before & after school care, and ultimately become a daycare mom myself, which I'm not sure I want quite yet.
AmyKidsCo 09:33 AM 03-20-2015
What kind of job would you look for? Can you use the next few years to get the education/training you need for a new career, then plan to start in 5 years or so? At that point your kids will be 13 & 10, and probably okd enough to stay home alone after school for a couple of hours.
Unregistered 09:39 AM 03-20-2015
Work on getting your bills paid off so you have a low overhead.
kathiemarie 04:09 PM 03-20-2015
Originally Posted by AmyKidsCo:
What kind of job would you look for? Can you use the next few years to get the education/training you need for a new career, then plan to start in 5 years or so? At that point your kids will be 13 & 10, and probably okd enough to stay home alone after school for a couple of hours.
I would do this. Unfortunately, Dad will be on disability so he can be home when the kids get home.What kind of job would you look for? Can you use the next few years to get the education/training you need for a new career, then plan to start in 5 years or so? At that point your kids will be 13 & 10, and probably okd enough to stay home alone after school for a couple of hours.
Being debt free will help, too
Sorry you are going though this.
LindseyA 05:34 PM 03-20-2015
Thanks everyone! This is definitely giving me a lot to think about! Not sure what kind of job I would be looking for! (I have "I don't know what I want to be when I grow up" syndrome!) We live out in the country, and I hate the idea of commuting. The one option that would be worth a commute to me would be working at the University of Suny Oswego which is about 25 minutes one way. It would be for the State, nice benefits, 401k, and my two girls would get a hefty discount on tuition, should they decide to attend when they graduate high school. I would need a degree (which I dont have) to even get just a secretary position. I like the idea of possibly going to night school or online or something to get that degree. But my husband would love to see me still be a business owner at home, maybe doing something other than daycare. But, again, being out in the country is very limiting to the kinds of businesses we could run. We just bought our dream/forever home so we certainly cannot relocate, and I wouldn't want to. Ugh, sorry this is becoming more of a vent then anything. It's just so draining
Starburst 08:56 PM 03-20-2015
Maybe you can look into medical code and billing, you can work at home and freelance. After training you can do that and daycare at the same time until you can get more assignments.
If your good at writing you can also try seeing about getting paid to blog.
If your good at writing you can also try seeing about getting paid to blog.
Gemma 04:08 AM 03-21-2015
You were given very good advises, the only thing I can add is...before you panic, get a second opinion! ...talk to a "specialist" about alternatives, there might be some drug out there, that could help your hubby retain mobility so he could still have a job.
Good luck to you!
Good luck to you!
Josiegirl 04:26 AM 03-21-2015
There will be lots of choices and opportunities in the next 10+- years so try not to panic right now. Makes lists of interests, possible choices, etc. You have time to 'broaden your horizons' by taking classes that will help lead to a job of interest. As I said before, it's good to be proactive but you also have the gift of time in which to do that with.
Things with RA could change quickly too; I mean as far as medical advances, etc. Has the doctor entered into Homeopathic treatment options at all or suggested foods that may help prolong quality of life, that sort of thing? I know people can be helped in so many ways, not just the traditional doctor and medication route. Acupuncture, super foods, combo of vitamins. Not knowing anything about what he's facing, it's certainly an idea to explore other options.
Things with RA could change quickly too; I mean as far as medical advances, etc. Has the doctor entered into Homeopathic treatment options at all or suggested foods that may help prolong quality of life, that sort of thing? I know people can be helped in so many ways, not just the traditional doctor and medication route. Acupuncture, super foods, combo of vitamins. Not knowing anything about what he's facing, it's certainly an idea to explore other options.
Gemma 04:31 AM 03-21-2015
Originally Posted by Josiegirl:
There will be lots of choices and opportunities in the next 10+- years so try not to panic right now. .
There will be lots of choices and opportunities in the next 10+- years so try not to panic right now. .
good point, stay positive!
LindseyA 04:54 AM 03-21-2015
Originally Posted by Josiegirl:
There will be lots of choices and opportunities in the next 10+- years so try not to panic right now. Makes lists of interests, possible choices, etc. You have time to 'broaden your horizons' by taking classes that will help lead to a job of interest. As I said before, it's good to be proactive but you also have the gift of time in which to do that with.
Things with RA could change quickly too; I mean as far as medical advances, etc. Has the doctor entered into Homeopathic treatment options at all or suggested foods that may help prolong quality of life, that sort of thing? I know people can be helped in so many ways, not just the traditional doctor and medication route. Acupuncture, super foods, combo of vitamins. Not knowing anything about what he's facing, it's certainly an idea to explore other options.
His doctor has mentioned doing yoga. I have looked into different super foods he could try (I was thinking that since I am on the CACFP program, I will get reimbursed if I serve it to the daycare as well!) I haven't really delved into the vitamin route just yet. All very good suggestions, thank you! I am new to this forum (this was my first post!) and you all have been so helpful!There will be lots of choices and opportunities in the next 10+- years so try not to panic right now. Makes lists of interests, possible choices, etc. You have time to 'broaden your horizons' by taking classes that will help lead to a job of interest. As I said before, it's good to be proactive but you also have the gift of time in which to do that with.
Things with RA could change quickly too; I mean as far as medical advances, etc. Has the doctor entered into Homeopathic treatment options at all or suggested foods that may help prolong quality of life, that sort of thing? I know people can be helped in so many ways, not just the traditional doctor and medication route. Acupuncture, super foods, combo of vitamins. Not knowing anything about what he's facing, it's certainly an idea to explore other options.