Good thoughts, prayers, wisdom.................. She called HR at her work this morning. No disability. No leave. AND she will have to drop her position down to a "support" position to save her job, which means NO sign on bonus, and NO insurance in 30 days. She won't even be out of the cast in 30 days, I'm sure docs will continue to treat her......but it will be expensive. PT therapy, now that she might get limited to bare minimum.......and it will be expensive. Financially, they're going to be hurting BAD. They've got the right stuff to pull through it, if they manage to work together on it. I'm going to have to work to get them into the right mindset. Medical bills are your last worry.....those bills WILL wait while house payment ect will NOT wait. They, due to good income have become a tad spoiled although they always kept bills paid and managed to save money. I'll have to help teach them to cut corners where they never thought they could be cut before and to tighten what they think can't possibly be tightened. sister in law will be the easiest in many ways as he's a natural tight wad. lol But easy child is a bit of a shopaholic and they both eat out waaaaaaay too much. This is their first really big crisis as a married couple. easy child is already in major panic mode.......sister in law is getting there fast. Thank goodness for the couponing as she already has quite a stock pile going on. She's good on baby food for Brandon and diapers for both boys for a couple months at least. She's got a freezer full of food, shelves full of cleaning supplies and personal hygiene items. She'll be using it and leaning on it quite heavily. And I've already told her we'll continue to build on it, won't be quite as fast as before, but if I can survive with couponing on what we're bringing in income wise, she can too. THIS is what a stock pile is for.......just and fyi for all those people who think having 20 bottles of laundry soap in your basement is silly. I'm scared for her. More worried about her getting proper treatment uninsured than the financial side of things. Worried about her state of mind.....as she tends to lash out when she feels helpless.........and currently she feels like this is all her fault. Car insurance won't cover much medically as they only had liability on the car.....it was over 10 yrs old, she was driving the old honda due to gas mileage. So insurance will only pay 5,000.00 toward medical. But they're being pretty good about the car ect. They're in for a very rough road. sister in law makes too much for food stamps or welfare insurance and even if he puts them onto his insurance they probably won't cover her for the leg. That is the next direction I'm going to point them though as it never hurts to try. I've managed to get more than one insurance co to cover me for pre-existing conditions, maybe just maybe sister in law's will too.