January 24, 2022 The Newspaper Serving LGBT Los Angeles

Adjusting Your Lifestyle for Serious Illness

Do you have a plan for dealing with a severe illness? No one wants to think about dire medical circumstances, but it’s wise to think about a course of action well in advance. For instance, many people facing cancer and its often-complex treatment regimens seek psychological help to get through the tough times. Others choose to sell their life insurance policies and use the ready cash for essential needs, like medical bills or mortgage payments. 

Moving closing to a clinic or hospital is part of the routine for those who need daily medical monitoring or make frequent trips to a treatment facility. And, don’t overlook the benefit of taking a vacation to get your mind in better working order and relax a tired, stressed-out body. Here are some of the most effective ways of adjusting your lifestyle to meet the needs of a serious illness.

Get Professional Counseling

There’s no substitute for good advice. Licensed counselors can help you devise a plan of action, take control of the situation, avoid becoming depressed, and figure out positive ways to deal with the day-to-day challenges of a chronic ailment. Fortunately, most health insurers cover most or all of the cost of this kind of counseling. Be sure to work with a licensed provider who has experience with clients who face serious illnesses.

Cash Out Your Life Insurance Policy

If your illness is life threatening, explore the option of selling your life insurance policy for cash through a process known as a viatical settlement. Essentially, a third party buys the policy for an amount greater than the cash surrender value, and you get the proceeds immediately. The money is tax-free, and you can use it for whatever you want. To learn more about how viatical settlements work, check out a comprehensive online guide that explains all you need to know to convert a policy to cash. Of course, after you sell the policy, you’ll never have to pay premiums on it again.

Consider Moving

Think about moving to a smaller, more efficient home if you face the prospect of long-term or highly complex medical treatment. Many homeowners choose to relocate to a condo or apartment near the hospital for chemotherapy or radiation sessions. This makes good sense, primarily if you currently reside far away from your primary doctors and relevant clinics. If you own a large home, consider selling it and using the excess cash to finance a smaller place, cover medical bills, or pay for a lengthy vacation, as noted below. If you do plan to move, work with a licensed real estate agent who specializes in fast transactions.

Take a Vacation

Everyone has their own way of dealing with stress and bad news. Some discover that a pleasant vacation to a relaxing, natural location is a great way to deal with a chronic medical crisis. Often, a stress-free getaway helps clear the mind and lets you focus on a realistic plan of action and make wise decisions about things like treatment plans, inheritance, and matters of faith. Never underestimate the power of a vacation to help with life’s most pressing circumstances.

in NEWS
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