Thanks gals, that gives me a place to start. I haven't had time to research much as I'm always on the fly these days. Two family members on hospice, two kids living with us with disabilities. I quit working part time about a month ago because I was just too tired to keep up with everything. I've looked at insurance polices and they are too high. We have SSD and LTD from former employer. One child is now on SSI. Too many irons in the fire and my brain is truly on overload. Will do some more checking and if anyone else has ideas...let me know. Thank you, thank you.