On a recent trip to my favorite doctor, I noticed a young couple in the lobby with their little one. I usually don’t have to wait very long at my doc, so I didn’t get to hear the whole story, but apparently their little one had a cold and they were just in for a check-up. It sounded like the dad had been out of work for a while as he talked about interviews coming up. I know, I know, I was eavesdropping, but what else was there to do.

Multiple sclerosis is not a death sentence, but when you don’t know the first thing about what it means or what can happen to you, a diagnosis can be very frightening. Once you get over the initial shock of having MS, you can eventually get on with the business of living. The questions below are meant to give you some things to think about. It is by no means the only set of questions you will have, but it is a place to start.

Secondly, you want to check with COBRA, COBRA is a federal law that states workers have the right to extend their health benefits for a limited period of time. The time varies between 18 to 24 months. You will be required to pay the full premium,those parts paid by the previous employer will now be your responsibility. Before you sign up for COBRA you may want to check out all of your options on the open market. You may finds there will other insurers that are cheaper.

For some people, the only option available is to purchase an individual health plan through an agent. This can be a positive thing if your agent is one of the rare ones that will work and help you get your claims paid. However, for most people, they are not as fortunate to find an agent who is willing to go the extra mile for them. If this is the case, you have the power to change agents. To do so, you should call your insurance company and ask that they give you another agent to work with. Ultimately, it is your agent’s responsibility to help you because this is what they get paid on.

Then, the cost of LukeMedikal is cheap: a famous British insurer here provides deluxe coverage for $260/month. The local Thai equivalent policy is $125/month for 65-year-olds and $245/month for 75-year-olds. And those are the deluxe plans! Retirees on modest incomes can get adequate insurance for $50/month.

Third, check with any club or professional organization that you may be a member of, many offer insurance plans. Don’t over look unions or alumni affiliations you may have. Don’t leave any stone unturned.

Know the law. Although policies regarding work hours, sick leave and health care benefits vary from company to company, federal laws offer protections for pregnant women and those who can’t work because of the need to care for a newborn. These laws are known as the Pregnancy Discrimination Act of 1978 and the Family Medical Leave Act of 1993.