in response to rista1966... i understand your situation all too well, been there done that kind of thing. Here is how I got my head held high again. First off this is not ment as an insult to anyone, Im just telling you about an insurance policy you have been paying into for all your working life that you can tap into for as long as you need. It is Social Security Disability You will need to get a Disability lawyer, but the best thing is Social Security will pay the lawyer for you out of you settlement so you dont need to worry about a bill. the lawyer will do everthing for you and get you approved, nomatter if your husband or you get approved you kids are approved untill age 18. ask your lawyer to explain how it will go, the further back you can proove disability the more money you'll get in a lump some. I myself got approved last year and got 3 years of back money totaling 32,000 dollars, remember this is not a handout it's something you paid for by working hard all your life.