Hello Everyone. My name is Holly and I am in a huge bind. I currently work full time and go to school part time. I own a home in DC and have an upcoming surgery that will have me off of work for a minimum of three months. I am in intense pain daily, yet I have been pushing through and continuing to work and attend classes. I can no longer handle the pain and now I have to have ankle reconstruction surgery. This surgery will require my doctor to go into my ankle, separate the bones, shave them down, and then permanently fuse the joint with two screws. I will be on complete bed rest for a minimum of twelve weeks and then limited capacity for another twelve weeks. I will be unable to work at all for the first twelve weeks and my return to work after that will be based on accommodations by my employer. This couldn’t come at a worse time as I was recently in a head-on car accident (not my fault) that had me out of work for several weeks, where I exhausted all of my sick leave and my savings account as I was not paid once my sick leave was exhausted.
After I complete my surgery, my short-term disability insurance won’t kick in for at least a month and because I have exhausted all of my leave and savings, I will be without an income for at least a month. Then, once payments do start, I will only receive 50% of my normal pay before taxes. I do not know how I will survive on this. I do not like to ask for help, but I am in a bind. I have a mortgage and bills to cover for this month plus that I will not be paid and I am worried about what I can do. I was hoping to put this procedure off until I could build my savings back up – and I have even avoided getting a new car since my accident as to limit my monthly expenses. But the pain has gotten so bad that I can barely walk and now surgery is my only option. I am not one to ask for handouts, but I am worried I will lose my house and get into debt that I can not work my way out of. I appreciate anyone who can or is willing to help me in this time of great need. I will forever be indebted to you and promise to pay it forward once I am back on my feet (no pun intended). Thank you for taking the time to read my story and for considering to help me.
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