Construction financing, failure, and setbacks

Dear
I was also “caught” by lung cancer at 35. That was 10 years ago now. And back then, there was no sign of a house being built anywhere. Secured? At that age, you don’t really think about that. I had a normal life insurance policy. However, during my chemo treatment, I was more active than ever (thank you, cortisone). I was restless and unable to stay still. Among other things, I sorted through my documents. And all of a sudden, I saw something about disability insurance in the small print. Without much hope, I wrote in, and indeed, I was paid 800 euros per month. For three years. Even though I was already working regularly again by then.

So: also read the small print on insurance policies. Sometimes you’ve overlooked something.

And: keep working on your doctoral thesis!!!! Definitely! My chemo took such a toll on me that the oncology department urgently advised me to do something for my mind, otherwise the concentration problems, etc. would persist... Even if at first it only produces “nonsense,” you can always “correct” it later. I speak from experience ;-)

All the best for this time, and – this may sound silly right now – many things in life have their meaning. My cancer period actually wasn’t the worst. I grew infinitely because of it.

And the real physical deficits only appeared seven years later, unfortunately...

P.S. We really couldn’t secure the house construction itself (built in 2020) anymore. Cancer patients and heart attack survivors get dropped by all insurances... or face horrendous premiums....

As I said, there are disability insurances without health questions … there are special brokers for things like that ….

Are you employed at a university? Since when have you been working there? Ask your HR department if you receive, and if so how long, a subsidy for sick pay. In the TVöD and TVL, the employer pays an employer's contribution to the sick pay for up to one year, which tops it up to about 95% of your previous net earnings.

No, unfortunately not. I am conducting an independent PhD and work part-time in healthcare.

No, unfortunately not. I am doing an independent PhD and working part-time in healthcare.

Then nevertheless ask your HR department if you are bound by a collective agreement and if there is an employer subsidy for sick pay. This is anchored in relatively many collective agreements.

Then still ask your HR department whether you have collective bargaining agreements and whether there is an employer subsidy for sick pay. This is anchored in relatively many collective agreements

Unfortunately, we do not have anything like that. It is a smaller medium-sized company. Unfortunately, there are no collective bargaining agreements with us either.