If a non-working spouse, homemaker/parent, becomes seriously ill (cancer) and disabled, what programs, assistance, insurance are available to such a family? A family not living below poverty line (median income household).
I have searched online, and it appears one would need several months of emergency funds. Disability insurance near impossible, SDI not available as no work history, etc.
In the US, disability insurance for a non-working spouse is unusual, but this article points to Illinois Mutual as a carrier that offers it.
Federal disability benefits can be applied for: https://www.ssa.gov/disability/
Other government benefits: For the working spouse to take over the home duties, unpaid family leave is available to private company employees through FMLA. Thirteen US states require some version of paid family leave.
Regarding charity, a web search for 'cancer charity family' may lead to local charities. Nationally, https://www.cancersupportcommunity.org/ and https://www.cancercare.org/ offer guides. Despite being middle income, the family can seek out a food pantry where they are eligible or where no questions are asked: https://www.feedingamerica.org/
