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STEP 2: Consider Your Finances

Beyond being fulfilling, a job may help you afford the life you want. Before deciding whether to leave your job, get informed about your options. If you quit, two of the biggest impacts may be on your income and insurance.

Determine whether you can afford not to work:

Understand Your Insurance

Insurance plays an important role in paying for your kidney care. Employer-provided insurance may offer better coverage than government plans. Benefits include (varies by plan):

  • Additional coverage for transplant
  • Access to dental and vision benefits
  • Family coverage
  • Better access to the doctors of your choice
  • Prescription drugs
  • Lower out-of-pocket costs

Investigate more of the benefits of common insurance plans. If you have insurance through your job and stop working, ask your employer about COBRA insurance— COBRA can be expensive, but you may be able to get help paying for the premiums as well.

Get Help Paying for Insurance Premiums

If you have kidney disease or are on dialysis, some organizations may be able to assist in paying your insurance premiums.

Questions? Call the working helpline at 1-888-405-8803 to speak to a Patient Advocate.

Steps to Take Now

  1. Check Off Your List

    Get a "Working with Kidney Disease" Checklist

    Start Now

  2. Get Kidney SmartSM

    Find an instructor-led kidney disease education class near you.

    Find Classes

  3. Talk to a Patient Advocate

    Have questions? Call 1-888-405-8803.

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