A famous study—co-authored by Elizabeth Warren—found that suffering from a medical misfortune was the most common reason for ultimately leading someone to petition the courts for relief from their financial obligations, but another study pointed to unnecessary spending prior to the medical crisis. As it turns out, determining what counts as a medical expense is difficult. It’s not simply doctor bills. In addition to the not-covered deductibles, there is transportation to and from medical appointments, parking fees at many hospitals, and often childcare expenses while parents are in treatment or at appointments. Time for cooking will be limited, so take-out bills can pile up, too.   And families that experience an illness are often hit by a double whammy—they lose income at the same time their financial needs grow, often cutting back on work hours or leaving work altogether, either voluntarily or not. McCarthy, for one, recently filed a lawsuit against his former employer, Daleview Care Center in Farmingdale, Long Island, claiming he was let go because of the amount of work he missed as result of his daughter’s illness, a violation of several laws including the Family Medical and Leave Act. In legal filings, Daleview denied McCarthy’s allegations, but the company did not return requests for comment. “The families get to the point where it’s, ‘What do I do?

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