@arpie I'm 43 and unfortunately like many other people we need two incomes. We were so fortunate when I had to take time off for my cancer treatment - a lot of family and friends supported with what we needed.
If I was to take a break we would have to move in with my parents for a year. It's hard weighing up the options of what scenarios work best.
My reception job is with a specialist and our patients aren't ones who are sick, but the clinic is within hospital grounds and I guess still contact with lots of people.
Whilst they haven't said in as many words, my employer is starting to get a little tired of my illness so I think if I was to take time off I'd have to quit and look for another job when I've recovered fully.
Can I ask what you mean by insurance policy?
I hope you are doing well and healthy yourself 😊