Debt & Chronic Illness: The Unexpected Connection

When I was first diagnosed with a chronic illness, I'll admit that debt wasn't top of mind. I was more focused on things like learning to manage my symptoms and figuring out how to keep working (and keep my insurance). But eventually, I started hearing other sick people talking about their debt problems and I realized that there might be a connection between the two. Here's what I've learned about the unexpected ways that debt can make chronic illness worse.

1.It can make it harder to get treatment. 
If you're already struggling to pay for your basic needs, then finding the money for doctor's visits, prescriptions, and other treatments can be next to impossible. And even if you are able to find the money, the stress of being in debt can make it harder to focus on getting better. 

2.It can make it harder to work. 
Chronic illness can be unpredictable, which means that you might have good days and bad days. Sometimes you might feel well enough to work, but other times you might not. If you're struggling with debt, then working might not be an option because you can't afford to miss a day (or two... or three). 

3.It can make it harder to think straight. 
When you're in pain or feeling sick, it's hard enough to focus on anything else. But when you're also worrying about debt, it can be impossible to think straight. The anxiety of being in debt can cause or worsen chronic illnesses like migraines, anxiety disorders, and even heart disease. 

Debt is a problem that touches almost all of us at some point in our lives. But if you're also dealing with a chronic illness, then debt can be especially crippling. If you're struggling to keep up with your bills, don't be afraid to reach out for help from a financial advisor or counselor. They can help you create a plan to get out of debt and start living a healthier life.

Are you struggling with debt and chronic illness?  Join our encouraging Facebook community of moms where we are helping each other go from Debilitated to Liberated!  Click Here


Leave a Comment