September 2012 was the worst month of my life so far, my daughter was in hospital having been diagnosed with cancer, I had to give up my newly started Childminding company, we had to sell our car and we were genuinely struggling to pay the bills.
No one ever tells you that one short month can cause such upheaval in your family life but that was all it took. You see I was protected if I was sick and unable to work but no one had ever told me about the impact one of our children getting sick would have on us.
With Hubby having to take unpaid leave from work for a few weeks to look after Alison until she started school and me having to completely give up my childminding career to care for Elizabeth in the hospital we soon burned through any excess money we had. Eating at the hospital was expensive and even parking was costing us money. It wasnt long before my bank account was nearly empty and with benefits unable to be paid for the first three months we had to make the decision to sell our car. We just couldnt afford to keep running it.
We were not the only family in this situation, in fact nearly every family on the ward had to face the fact that one of the parents would have to give up their job. It is a situation that many people up and down the country find themselves in. Yesterday I was contacted by a gentlemen called Max Robinson. Max watching his father care for his Step-sister for 12 years through her illness. He saw many families struggling with the financial burden of having to choose between working and caring for their children. Max used his experience within the Insurance business to create a special low cost annual insurance for working parents to protect their income if their child became sick or injured. Unlike life assurance products, working parents aren’t tied in for many years; ChildMax is clear, simple annual insurance offered through www.insurewithmax.com for parents who are either employed, self-employed, a director or in a partnership. Being able to get this whilst being self-employed would have been a major thing for me.
The policy covers a set list of illnesses and medical conditions from accidents. The 7 medical conditions are: coma, traumatic brain injury, loss of a hand or foot, blindness, third-degree burns, deafness and paralysis of limbs. The 12 illnesses are: aplastic anaemia, benign brain tumour, bacterial meningitis, cancer, blindness, deafness, kidney failure, loss of a hand or foot, major organ transplant, multiple sclerosis, paralysis of limbs and stroke.
This cover could really help at a time when everything seems to be falling apart and as much as I wouldnt wish this on anything I wish I had known about this before Elizabeth became ill because it could have saved me a lot of stress, worry and scrimping and saving.
You can find more information about this by visiting www.insurewithmax.com or by telephoning the UK customer service team on 0333 323 0098.