Cancer Notebook 99
equipment; and the cost of meals during lengthy
medical visits away from home.
Obtain publications related to medical deductions
from the Internal Revenue Service and from the
state where you file your taxes. Find out if there
are special rules for people who are self-employed,
have a business or domestic partner, or other
special situations.
Publications are mailed free upon request and
usually arrive within two or three weeks. You can
also view them online and print them.
Internal Revenue Service publications are avail-
able by phone at 1-800-829-1040 or online at
www.irs.ustreas.gov.
If you use a tax advisor or financial planner, consult
with that person after your diagnosis.
The “Expense Tracking” form at the end of this
section can be used to help document out-of-
pocket expenses as you go.
COBRA (Consolidated Omnibus Budget
Reconciliation Act)
If you have a group health insurance plan through
an employer with 20 or more employees, this
federal legislation may enable you to keep your
group coverage plan in the event of job loss,
reduction in work hours, transition between
jobs and certain other cases. Coverage may be
available for 18 months. Qualified individuals are
required to pay the entire premium cost that the
employer had been paying, plus a few percent.
This may be quite expensive, yet is still less costly
than obtaining individual insurance outside of a
group plan.
Rules for COBRA are complex. Ask your employer
for written information. You can obtain further
information and a fact sheet from the U.S.
Department of Labor Employee Benefits Security
Administration. Call 415-975-4600 or visit www.
dol.gov/dol/topic/health-plans/cobra.htm.
Under the Paid Family Leave Act,
disability compensation may be extended to cover
individuals who take time o of work to care for
a seriously ill spouse, parent, domestic partner or
other reasons. The Paid Family Leave insurance
program, also known as the Family Temporary
Disability Insurance program, is administered by
the State Disability Insurance (SDI) program. An
estimated 13 million California workers covered by
the SDI program are also covered for Paid Family
Leave insurance benefits. The rules are complex,
so check into whether you have job protection or
return rights, whether benefits are taxable, and
other issues.
Disability Benefits 101
(www.disabilitybenefits101.org) is a knowledgeable
source if you need more help understanding your
benefits.
This comprehensive website oers information
on disability benefits, State Disability insurance,
health insurance, Medi-Cal, Medicare, COBRA and
a variety of additional programs administered
by state, federal and private organizations.
The organization’s purpose “is to take a broad,
customer-centered view, focusing on the linkages
among programs” and how programs interact with
each other, discussing them “under one roof, in
plain language.”
The Americans with Disabilities Act
The Americans with Disabilities Act (ADA),
enforced by the Equal Employment Opportunities
Commission (EEOC), prohibits all discrimination
related to a disability, a perceived disability, and
a history of disability. Employers must make
reasonable accommodations in the workplace
for qualified individuals with a disability. They are
required to treat all employees fairly and equally
and cannot ask employees personal questions
other than job-related medical questions. The ADA
also protects an employee whose family member
has a disability.
The Family and Medical Leave Act of 1993
The Family and Medical Leave Act (FMLA)
protects employees when they take leave because
they are ill or are caring for a spouse, child, or
parent who is ill. Through the FMLA, employees
receive:
• A total of 12 weeks unpaid leave
• Continued benefits during leave
• The option to use vacation and sick leave during
medical or family leave
The FMLA has specific requirements. For example,
the employer must have more than 50 employees.
And an employer does not have to hold a position
open if an employee uses more than 12 weeks
of leave in a year. Because states and districts
operate dierently, contact your local attorney
general’s oce or an employment lawyer for more
information.
The Job Accommodation Network provides free
information about the ADA and the employability
of people with disabilities.