My 14yr old son John John was diagnosed with Severe Aplastic Anemia on July 27th 2012 and had his bone marrow transplant on August 1st, 2012. Prior to his illness, I, a single parent, had a full-time job but was forced to leave as the leave for medical was only 12 weeks but it was unpaid. I have 3 other children to care for in addition to my son that was sick. I believe it would have been beneficial to me, if my employer had offered supplemental insurance as major medical pays for doctors and hospitals. Supplemental insurance would take care of the daily living. It pays cash benefits directly to you, unless otherwise assigned, to help with daily expenses when you or a loved one is sick or hurt. You can use your supplemental insurance money to help pay for groceries, child care, rent...it's totally up to you. It should also be a benefit that follows you from job to job, employer to employer.