Debra Wisley
Age 55
Cancer Survivor
Greenville, North Carolina
At first I thought it was just sinus trouble. Then I started having trouble swallowing, and I discovered that one side of my throat was swollen. I still wasn't worried, though. At the very worst, I thought I'd just have to get my tonsils removed.
My ear, nose, and throat doctor ordered an MRI, and I was shocked at what they found: a tennis ball-sized tumor wrapped around a facial nerve.
I underwent an eleven-hour surgery, where an incision was made from the top of my scalp to halfway under the chin. I was told it was an aggressive cancer and I was immediately started on a course of radiation therapy. If I didn't undergo the maximum amount of radiation possible, the question wasn't if but when the cancer would return. Because of this, I underwent radiation five days a week for eight weeks.
But the effects were terrible... the radiation blistered my face, neck, ear, and throat. It was like a major sunburn on the inside of my mouth. I couldn't eat, and I could barely drink. I had lost forty-five pounds by the end of the treatment.
The effects of my illness weren't just medical... they were also financial. Because I had lost so much weight, I needed a whole new wardrobe. I was on several different medicines, and had a daughter in college. I'm a schoolteacher, and I had to take off a entire quarter of a school year. I was lucky, I had the support of my colleagues and family, and my husband's job was able to support us during my treatment, but our finances were definitely a concern during my recovery.
Five years later, after a routine mammogram, I was informed that I had breast cancer. After a lumpectomy it was determined that I would need to have a mastectomy a couple of weeks later. After the surgery, I underwent two rounds of chemo, and I ended up taking a whole semester off during the treatment.
There were several expenses that I hadn't even thought about. Because of the mastectomy, I needed a prosthesis, new clothing to adapt to the changes in my body, a wig because I lost my hair, as well as various other expenses. To make matters worse, the combination of the two surgeries permanently affected my ability to perform my job.
Then there were the situations I never would have expected, like the expensive repair bills for the mold that was discovered in the walls of my home during the time I was undergoing the chemo.
Having a Critical Illness insurance policy would have alleviated some of the stress of living through my surgeries and treatments. My grandchildren are one of the joys of my life, and I would have loved to see them more and have them around me. Because the treatments left me fairly weak, being able to afford someone to come in and clean would have been very helpful. After the treatment was over, it would have been nice to be able to go on vacation and "recover from my recovery."
I urge anyone reading this who may be considering Critical Illness insurance to give it very serious thought. No matter how comfortable your financial situation may be, there will always be unexpected expenses associated with your illness, and the money you receive from your policy might make your recovery a little more bearable.