Your Rights at Work
While statistics show that most cancer survivors are able to return to work, some report feeling they have been unfairly passed over for promotion, or have experienced negative attitudes or undue criticism in the workplace. For some, physical, psychological, and occupational vulnerability persists long after treatment. It is important to understand the laws that protect you, such as the Americans with Disabilities Act, the Family and Medical Leave Act, and the Health Insurance Portability and Accountability Act.
If you feel you have been discriminated against, contact the Equal Employment Opportunity Commission for information on what steps you can take. Also contact the American Cancer Society or the National Coalition for Cancer Survivorship for more information. See the Resources section.
Health Insurance
Cancer makes people acutely aware of the importance of understanding their insurance policies. To get the most from your insurance coverage, start by keeping good records of all claims and correspondence filed with the company. Also keep a copy of every letter you or your doctor write. Keep a phone log of all conversations you have with representatives, noting the name and phone number of each person you talk to.
If you have difficulty filing your claims, ask your doctor or nurse for a referral to someone who can help. Many hospitals have social workers or other professionals who can help you through this. Some facilities handle the billing for you, submitting claims directly to your insurance company. If you can afford it, consider hiring your own professional claims assistant. The money he or she can save you might pay for the service itself.
If you believe a claim has been unfairly denied, don't take no for an answer. Find out how to file an appeal. Ask your doctor to call the company or write a letter of support. Ask for help from your benefits manager at work or financial counselors at the hospital. You can also contact your state commission on insurance for information on what is legally required to be covered in your state. (See Legal and Financial Aid in Resources.)
Financial Concerns
Any illness can cause financial concerns, even if you have extensive insurance coverage. Cancer can put a burden on a family's resources, and financial difficulties may continue after the cancer treatment is complete. Unfortunately, for many, there are no easy solutions. The financial office in your hospital or local community agencies may be able to help you.
If you are having trouble paying bills, talk to your creditors and ask about setting up a payment schedule. Many will accept even small payments, allowing you to protect your credit history. Find out if you are eligible to have Medicare cover some of your medical expenses. And be sure to take all allowable medical deductions on your tax return.
