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1. Prepare for the future: start looking at what financial assistance might be available from the beginning of your journey. 

While you may be financially stable at the beginning of your kidney journey, things can change as time passes. Many people do not know there are resources and programs that offer financial assistance and don’t look until they need them. Keep track of all the benefits and assistance programs that may be available to you and access support as soon as the need arises. 
 

2. Know that you are not alone in your financial difficulties. 

Kidney disease is not just emotionally draining but can be financially draining as well. Many people face financial difficulties as they continue through their kidney journey. Accepting the changes that come to your life can help. Once you accept, you can start to overcome challenges. Ask for help and don’t lose hope. 

3. Seek out assistance through professionals. 

If you do not have access to a social worker and you need financial assistance, ask your renal nurse, program coordinator, or team leader at the hospital where you receive treatment. They may be able to point you in the right direction to access financial supports that you cannot apply for on your own.

4. Look at the financial supports that the government and employers may offer. 

There are different financial supports available through the Government of Canada and your own province or territory that can help you with things such as the cost of your medication or deductibles to claim on your taxes. Not only that, but some employers may offer financial supports and/or resources as you go through your journey. Be sure to investigate the ones applicable and available to you.

5. Consider The Kidney Foundation’s Short Term Financial Assistance Program.

The Kidney Foundation’s Short-Term Financial Assistance Program provides last-resort assistance with medical and other expenses associated with kidney disease and its treatment once all other forms of funding are exhausted. Historically, the program has provided short-term assistance to help with transportation, medication, emergency living expenses etc. It is short-term, with limited funding available. You can apply for assistance through your Renal Social Worker or speak to a nurse in your unit. Reach out to The Kidney Foundation with any questions you might have.


Resources:
Advance Care Planning:  http://www.advancecareplanning.ca
Service Canada – EI Sickness Benefits: https://www.canada.ca/en/services/benefits/ei/ei-sickness.html
RDSP : https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/registered-disability-savings-plan-rdsp.html
Helpful site that walks you through the process: https://www.rdsp.com 
Living with Kidney Disease Handbook – Chapter 7 (Practical Matters: work, money, and insurance)