Imagine that you are steadily climbing the ladder in your career, have a great family life with two well-adjusted teenagers, and a beautiful home. The future could not look brighter.

Then…bam! Out of the blue you suffer a stroke. Or are diagnosed with cancer. The doctors happily assure you that you will survive since they caught it early. You sign up for the best medical care possible, but the treatment means taking several months off from work.

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