Husband’s guide to supporting a chronically ill wife financially.

There are many ways of supporting a chronically ill wife financially. I found the best one, which I’m going to discuss later in this article. Firstly, I want to stress the importance of understanding life with chronic illness.

Chronic Illness

Dedicated to Male Partners

    This isn’t something you can understand until you’ve experienced it. It’s not just about the physical pain or discomfort that comes with the disease. It’s also about psychological effects, such as feeling isolated and not being able to do the things you used to do.

    This is why it’s important to understand life with chronic illness and be as supportive as possible.

    The second most important thing is to support your wife financially because many treatments and medications that help manage chronic illnesses can be expensive, so you need to make sure you have enough money budgeted for the disease treatment costs.

    My wife is great at saving money. One of the ways she finds helpful is setting up a separate bank account specifically for my wife’s medical expenses. This way, she has no surprises when we get a bill or she needs something for her care.

    Luckily, we live in London, UK, and have a “free” healthcare system, it is still important for her to have some kind of sense of security.

    Finally, life with chronic illness doesn’t mean life without fun. You should still try to find ways to enjoy life together, even if it has to be done from home due to restrictions from the disease or lack of energy.

    Supporting a chronically ill wife financially isn’t easy, but living with chronic illness doesn’t have to be miserable. There are still ways to make life enjoyable and meaningful, even if it’s different than life before. But to feel happy and secure, you need money.

    The myth of financial security.

    There is no such thing, at least not with a traditional job. When you work your typical 9-5, you work for someone else. You work for their happiness, not yours.

    You are NOT in control, your employer is in control. There is no such thing as financial security unless you own your own business, ideally digital, because Artificial Intelligence is on the rise and after Covid-19 people discovered the possibility of remote work and working from home, this is the future.

    So, life with chronic illness has to also include money for your partner. It’s important to make sure she has the financial security to get through life.

    Remember though – there is no such thing as financial security as long as you work for someone else because your employer will always have control over your life.

    But, with a digital business of your own, you can make sure that life with chronic illness is still enjoyable, meaningful, and secure. You will have full control over your life, your time, and your money, so supporting a chronically ill wife financially is vital.

    Don’t worry, I am going to discuss this in more detail, as I am really passionate about the topic, but for those who aren’t technology savvy, reading the middle part of this blog post will be very beneficial to them.

    How can you support your chronically ill wife financially?

    From my own personal experience, I decided to give you 7 tips where six are dedicated to financial aspects, but the first one is about the two most important things – communication and partnership.

    1. Communication with the new normal.
    2. Understand the financial impact.
    3. Budget creation.
    4. Financial assistance.
    5. Disability insurance.
    6. Changes in income.
    7. Professional financial advice.

    Before I discuss ways of supporting a chronically ill wife financially, I want to share with you one of my eBooks. If you want more in-depth information about how to support your partner with her chronic conditions and how to cope with the new normal in your relationship? If so, I wrote a “Supporting a Chronically Ill Partner” e-Book.

    You can get the 1st Chapter of the e-Book for FREE, and if you like it, you’ll get a Whopping 33% Discount on the Whole Book, plus discounts on other helpful tools. You have nothing to lose but a lot to gain!

    The first chapter alone contains a lot of information for both of you about acknowledging the struggles, including:

    • A word to your partner.
    • A word to you.
    • Stepping on eggshells.
    • Understanding her needs.
    • How to acknowledge having a chronically ill partner?
    • Acknowledging can be hard.
    • 15 tips on how to do it!

    Get the 1st Chapter FREE!

    Chronic Illness for Partners

      Communication and partnership with the new normal.

      Spend quality time with her because life with chronic illness can be hard, so make sure you are there for your wife and make life feel a bit normal. Communication is the basis for supporting a chronically ill wife financially.

      Partnership matters the most because you are a team, you are both in this together, and in order to create a loving and supportive partnership, communication is key. Communicate with your wife and be as supportive as possible.

      Remember, life with chronic illness doesn’t have to mean life without fun. You should still try to find ways to enjoy life together, even if it has to be done from home.

      It’s important for you to have open and honest communication with your wife about the financial impact of her condition and to work together in order to find solutions. This can help to alleviate stress and ensure that both of you are on the same page when it comes to managing your wife’s condition financially.

      Understand the financial impact of chronic illness.

      It is important to have a good understanding of your wife’s condition. For me, it was endometriosis and fibromyalgia. To begin with, I could barely spell the words, let alone understand them. But I had to learn in order to best support her.

      Thinking of financial hardships should include any medical expenses, treatments, and medications associated with them.

      This will help you to understand the financial impact of her condition on your household and make informed decisions about how to manage it. It must include an understanding of the potential loss of income if your wife is unable to work due to her condition.

      Create a budget.

      Based on your understanding of the financial impact of your wife’s condition, create a budget that accounts for all necessary expenses.

      When your wife is always sick, as her husband, you need to take control. That includes a number of medical expenses you need to consider:

      • Doctor’s visits: Regular visits to doctors and specialists are often necessary to manage my wife’s condition. These visits can be costly, especially if they are not covered by insurance. In my wife’s case, endometriosis requires repetitive surgeries. This can get costly.
      • Medications: My wife doesn’t take any meds, but yours may require ongoing medication to manage her condition. These medications can be expensive, and the cost can add up over time.
      • Treatments: Depending on your wife’s chronic condition, she might require some additional treatments, such as physical therapy or occupational therapy. These treatments can also be costly. My wife likes a holistic approach, but exercises such as pilates can also be costly.
      • Tests and diagnostic procedures: Even though my wife requires regular tests and diagnostic procedures to monitor her condition and make sure that it is being properly managed, we live in the United Kingdom, so as long we pay taxes, her treatment is covered. That may not be the case for you and your wife.
      • Equipment: Your wife may require special equipment, such as a wheelchair or a hospital bed, to manage her condition. These items can be expensive, and the cost of maintaining and replacing them over time can add up. But again, it varies from person to person.
      • Home care: My wife works from home and doesn’t have any care services such as nursing care, domestic care, etc. However, being a medical secretary, she needed to buy tools such as a comfortable chair, laptop, headphones, and more, in order to fully work from home. Your wife may need other services that can be costly and may require additional financial input on your part, for example, transportation to and from appointments.
      • Travel expenses: As I mentioned above, if my wife’s condition requires her to travel to various doctors or hospitals for treatment or specialist appointments, we will have to consider the cost of transportation and lodging.
      • All of this should help you understand exactly how much money you need to manage your wife’s condition and make sure that you have enough to cover all necessary expenses. My wife would make a great accountant, she manages money in an amazing fashion. She also saves a lot!

      It is important to keep in mind that these costs may vary depending on the specific condition, severity, and type of treatment.

      Supporting a chronically ill wife financially 1

      Financial assistance.

      Since the majority of my readers come from three English-speaking countries, I wanted to share with you what kind of financial assistance is available for chronically ill people in the United Kingdom, the United States, and Canada.

      In the United Kingdom, there are a number of financial assistance programs available for chronically ill people, including:

      • Personal Independence Payment (PIP): This is a tax-free benefit for people with long-term health conditions or disabilities. It is intended to help with the extra costs of living with a chronic illness or disability.
      • Disability Living Allowance (DLA): This is a benefit for people under the age of 65 who have long-term health conditions or disabilities. It is intended to help with the extra costs of living with a chronic illness or disability.
      • Attendance Allowance (AA): This is a benefit for people aged 65 and over who have long-term health conditions or disabilities. It is intended to help with the extra costs of living with a chronic illness or disability.
      • Blue Badge parking permit: This is a parking permit for people with disabilities, including those with chronic illnesses, that allows them to park in designated disabled parking spaces.

      In the United States, there are a number of financial assistance programs available for chronically ill people, including:

      • Medicaid: This is a joint federal and state program that provides health coverage to low-income individuals, including those with chronic illnesses.
      • Medicare: This is a federal program that provides health coverage to individuals who are 65 or older, or who have certain disabilities, including chronic illnesses.
      • Social Security Disability Insurance (SSDI): This is a federal program that provides financial assistance to individuals who are unable to work due to a chronic illness or disability.
      • Supplemental Security Income (SSI): This is a federal program that provides financial assistance to low-income individuals who are disabled or elderly, including those with chronic illnesses.

      In Canada, there are a number of financial assistance programs available for chronically ill people, including:

      Bare in mind that depending on institution and circumstances, your wife may not be eligible for all benefits. Just because my wife can walk, her PIP was declined, regardless of how horrifically disabled endometriosis and fibromyalgia make her feel…

      Disability insurance.

      And what about disability insurance when it comes to supporting a chronically ill wife financially in the United Kingdom, the United States, and Canada?

      In our country – the United Kingdom, disability insurance is typically offered through private insurance providers, rather than through government programs. There are a few different types of disability insurance available in the UK, including:

      • Income protection insurance: This type of insurance provides a regular income if you are unable to work due to a chronic illness or disability.
      • Critical illness insurance: This type of insurance provides a lump sum payment if you are diagnosed with a specified critical illness, such as cancer or heart disease.
      • Personal accident insurance: This type of insurance provides a lump sum payment if you are unable to work due to an accident, such as a broken bone or head injury.

      It is a little bit different in the United States, as disability insurance is typically offered through private insurance providers, as well as through some employer-sponsored benefits programs. There are a few different types of disability insurance available in the US, including:

      • Short-term disability insurance: This type of insurance provides temporary income replacement if you are unable to work due to a chronic illness or injury.
      • Long-term disability insurance: This type of insurance provides long-term income replacement if you are unable to work due to a chronic illness or injury.
      • Private disability insurance: Some individuals may choose to purchase private disability insurance in addition to any coverage they may have through their employer.

      In Canada, disability insurance is typically offered through private insurance providers, as well as through some employer-sponsored benefits programs. There are a few different types of disability insurance available in Canada, including:

      • Short-term disability insurance: This type of insurance provides temporary income replacement if you are unable to work due to a chronic illness or injury.
      • Long-term disability insurance: This type of insurance provides long-term income replacement if you are unable to work due to a chronic illness or injury.
      • Private disability insurance: Some individuals may choose to purchase private disability insurance in addition to any coverage they may have through their employer.

      The availability and options of these programs may vary depending on the country, the insurance provider, and the individual’s employment status, so it’s recommended to check with insurance providers and/or employer-sponsored benefits programs for the most up-to-date information.

      Supporting a chronically ill wife financially 2

      Changes in income.

      I need to stress, as I experienced this with my wife many times, what are some ways to decrease your spending, how to cut expenses to save money, and lastly, what side hustles to do in order to increase income?

      Let’s begin with some ways to decrease spending, cut expenses and save money…

      • One of the most effective ways to decrease spending is to create a budget and stick to it. Identify your specific income and fixed expenses, and then allocate a specific amount for discretionary spending.
      • Review your expenses and look for areas where you can cut back. This may include canceling subscriptions or memberships you no longer use or need, switching to a cheaper phone plan, or cutting back on dining out. We had to cut on professional dancing and gym.
      • Shop for deals and discounts. When shopping for groceries and other necessities, look for deals and discounts. This may include using coupons, shopping at discount stores, or buying in bulk. This always cuts costs.
      • Lower your utilities, and other bills by using energy-efficient appliances. You can lower your thermostat, and unplug electronics when they’re not in use.
      • Reduce transport. Reducing transportation costs by biking or taking public transportation is a great way to decrease your spending. If you have to drive, try to consolidate your errands to save on gas.
      • Review and reduce insurance coverage: Review it and see if you can reduce or eliminate any unnecessary coverage.
      • If you have to refinance your loans to get a lower interest rate and reduce the amount of interest you pay over time, do so.
      • Sell items you no longer need or want on online marketplaces like eBay or social media such as Facebook Marketplace, or have even a garage sale.
      • Avoid impulse buying. Don’t go shopping when you are hungry as you are likely to buy unnecessary snacks. Try to avoid impulse buying by making a list of what you need before you go shopping and sticking to it.
      • Prioritize your expenses and focus on the most important ones you need. This may include your mortgage or rent, utilities, transportation, and groceries. No more.

      Here are some examples of side hustles to increase your income:

      • Starting a small business, such as selling products online or providing services like tutoring, pet-sitting, or lawn care (I’ll get to that by the end of this article)
      • Renting out a spare room on Airbnb or renting out a car on Turo
      • Participating in online surveys or focus groups
      • Providing freelance services such as writing, graphic design, or programming
      • Selling items you no longer need or want on online marketplaces like eBay or Facebook Marketplace
      • Participating in online affiliate marketing
      • Renting out a storage space or parking spot
      • Offer consulting services based on your expertise
      • Pet-sitting or dog walking
      • Offer to be a personal assistant or virtual assistant remotely

      It’s worth for you to note that these ideas may not be applicable to everyone, and some people may require an initial investment of time and money. It’s important that you carefully evaluate the potential income and expenses, as well as the level of risk before pursuing any of these options.

      Professional financial advice.

      It goes without saying that you might need it when it comes to supporting a chronically ill wife financially. There are free and paid options. Allow me to give you examples of professional financial advice in the United Kingdom, the United States, and, as always – Canada.

      In the United Kingdom:

      • Chartered Financial Planners: Chartered Financial Planners are qualified professionals who can provide financial advice on a wide range of topics, including savings, investments, pensions, and insurance. They have to follow the standards set by the Chartered Insurance Institute (CII) and the Financial Conduct Authority (FCA).
      • Independent Financial Advisers (IFAs): Independent Financial Advisers (IFAs) are professionals who can provide advice on a wide range of financial products, including savings, investments, pensions, and insurance. They are not tied to any particular financial institution and can provide unbiased advice to their clients.
      • Financial Advisers: Financial Advisers work for banks, building societies, and other financial institutions. They can provide advice on a wide range of products, including savings, investments, pensions, and insurance.

      In the United States:

      • Certified Financial Planner (CFP): A CFP is a professional who has met the education, experience, and examination requirements set by the Certified Financial Planner Board of Standards, Inc. CFPs are able to provide comprehensive financial planning advice, including investment advice, retirement planning, and estate planning.
      • Registered Investment Advisers (RIA): A RIA is a professional who provides investment advice to clients and manages their assets. They are registered with the Securities and Exchange Commission (SEC) or state securities regulators and subject to a fiduciary standard to act in the best interest of their clients.
      • Financial Advisers: Financial Advisers work for banks, brokerage firms, or other financial institutions. They can provide advice on a wide range of products, including savings, investments, pensions, and insurance.

      In Canada:

      • Financial Planners: Financial planners are professionals who can provide advice on a wide range of financial topics, including budgeting, saving, investing, retirement planning, and risk management. They may hold certifications such as Certified Financial Planner (CFP) or Personal Financial Planner (PFP).
      • Investment Advisors: Investment Advisors are professionals who provide advice on investment strategies and manage assets on behalf of their clients. They are registered with the Investment Industry Regulatory Organization of Canada (IIROC) and are subject to a fiduciary standard to act in the best interest of their clients.
      • Tax Professionals: Tax professionals such as Chartered Professional Accountants (CPA) or Enrolled Agents (EA) can provide advice on tax planning and compliance for individuals and businesses. They can help to minimize tax liability and maximize tax savings.
      Supporting a chronically ill wife financially 3

      The best financial tip!

      I promised you one of the side hustles to increase your income. Here’s the best one – start a blog!

      Starting a blog can be a great way (in my opinion – the best) to share your thoughts, ideas, and experiences with a wide audience, and it can also be a way to earn money.

      Blogging can be done on a wide variety of topics, so it is easy to find something you care about or are passionate about. In my case, these are both – I care about endometriosis and fibromyalgia, but I also love blogging.

      Your blog doesn’t have to be beautiful, a simple but well-designed and engaging blog can earn money through advertising, affiliate marketing, sponsored posts, and other methods such as (my favorite) selling digital products like printables and eBooks.

      Additionally, a blog can help you establish yourself as an authority in your field, which can lead to other opportunities such as speaking engagements and book deals. Overall, starting a blog can be a great way to share your knowledge and expertise with others, while also earning money and building your personal brand.

      But what about earning money?

      As I briefly mentioned above, a blog can be a way to earn money through advertising, affiliate marketing, sponsored posts, and other monetization methods like digital products.

      When it comes to advertising, you can sell ad space on your blog to businesses that are related to the topic of your blog, or you can join an advertising network like Ezoic, which will automatically place ads on your blog and pay you based on the number of clicks or impressions.

      In terms of affiliate marketing, you earn money by promoting other people’s products or services on your blog and earning a commission for each sale or referral.

      Sponsored posts are another way to earn money. By accepting payment from businesses to write posts about their products or services is a fantastic way to make some extra bucks.

      Finally, selling digital products is the most lucrative and effective way. You can use an email list by sending your readers from your blog to it and through automatic sell funnels that you create, you can sell products or services such as e-books, courses, and printables.

      Bare in mind that earning money from a blog takes time, effort, and consistency. This is not a quick-fix solution to life with chronic illness and it should not be done right away but thoughtfully.

      You can start by setting some clear goals for yourself, It’s important to build a strong following by creating high-quality content, promoting your blog through social media, and networking with other bloggers in your niche.

      Wrapping up supporting a chronically ill wife financially.

      I hope this article gave you some understanding of life with chronic illness, its treatment, and making money for your partner. In this article, I also provided some tips on how to increase your income through side hustles, where the best one and risk-free is simply starting a blog.

      Remember that life with chronic illness is hard, but you can make it easier by learning the right strategies and taking the necessary steps to manage your life better. With the right guidance, you can have financial security and peace of mind. So take action today!

      This is my personal husbandry guide to supporting a chronically ill wife financially. Take care of yourself first – after all, life is too short to suffer in silence.

      Good luck!

      Signature Lucjan
      Lucjan B

      About Me

      Hi, I’m Lucjan! The reason why I decided to create this blog was my beautiful wife, who experienced a lot of pain in life, but also the lack of information about endometriosis and fibromyalgia for men…

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