Emergency Cash When a Family Member is Sick

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If you find yourself taking on the responsibility to help a family member or a loved one, you may be looking at a few expenses. When you need emergency cash when a family member is sick. there may be a few options that you can consider. If your family member who is sick has health insurance, it may cover any healthcare-related expenses or medical bills. If they are employed, paid sick leave can cut down on the expenses related to taking care of a person.

When you have to look elsewhere for emergency cash, you can look to federally and state-funded assistance programs, look to your community, or take out a loan for an emergency. With the Coronavirus pandemic, there is more help for those who are sick, especially from the virus, than before the COVID 19 outbreak.

Health Insurance Coverage and or Employment Benefits for a Family Member who is Sick 

If the family member you are taking care of has health insurance coverage, chances are that some, if not all, the medical costs will be taken care of.

Get into contact with the insurance provider ASAP and ask about their coverage options. Keep in mind that there may be deductibles to pay to get health insurance coverage to kick in.

If the same family member is employed full time, then their work may offer them paid sick leave. This can be helpful to keep income coming in, and the family member can cover their costs as usual. Keep in mind that most places of employment have a limited time for paid sick leave.

Federal and State Assistance for Emergency Cash When a Family Member is Sick 

Because of the pandemic, there are new financial assistance programs, along with expansion for existing ones. Here are a few to look into:

  • Families First Coronavirus Response Act. American workers and employers will benefit from the protections and relief offered by the Emergency Paid Sick Leave Act and Emergency Family and Medical Leave Expansion Act, both part of the Families First Coronavirus Response Act (FFCRA). This works by the federal government providing a tax credit to employers of 500 employees or less who provide paid leave/sick time benefits for their full-time employees and/or part-time employees. For more information on this act head to the website of the department of labor. 
  • Family and Medical Leave (FMLA). FMLA provides workers with up to 12 weeks of unpaid, job-protected leave per year. It also requires that their group health benefits be maintained during the leave. FMLA is designed to help employees balance their work and family responsibilities by allowing them to take reasonable unpaid leave for certain family and medical reasons.

Additional State Assistance for Emergency Cash When a Family Member is Sick 

  • Apply for Gov. Grants. There are all kinds of grants given to states, and to specific industries. Check out some resources and apply for the ones that you or your sick family member may be eligible for. When you have children/young dependents, the amount of assistance may increase. Things like daycare, food stamps, and even transportation costs may be taken care of. Your local office of human services can help connect you with help, or you can begin the search on your own online
  • Small Business Assistance. If taking care of your family member and it is impacting your business, look into getting financial assistance. The federal government has introduced all kinds of assistance programs for small and large businesses trying to take care of both themselves, their family, and the viability of the business they are running.
  • Unemployment and Unemployment Insurance. If you are unemployed, laid off, or have a number of hours of your work cut, then applying for unemployment benefits or unemployment insurance should be an option to consider. Although your benefits may not cover all of your regular pay or be the same rate of pay, it will help cover a portion of your lost wages. Your sick family member may be eligible for unemployment as well, if they have also lost their job.

Non Profit Organizations, Local Community, Religious Groups

Like grants from the government, there are all kinds of nonprofits stepping up to help those impacted by coronavirus. Your local community is another valuable resource to tap into and fundraising online hasn’t ever been easier or has had higher outreach. Many religious groups may also help make ends meet while you take care of your sick loved one.

Taking Out a Loan to Get Emergency Cash When a Family Member is Sick

For those who need funds quickly, a loan may be a good option to consider. There are all kinds of loans and lenders available across the United States. The right loan for you will depend on your needs, your credit history, and your monthly income and expenses.

Take a look below to learn more about the different loan options available: 

  • Personal Loans. Personal loans can be used for a variety of different expenses, and come in all kinds of amounts, along with repayment terms. Keep in mind that for unsecured personal loans, credit will play a huge role with eligibility. Along with that, personal loans can sometimes take a few weeks (1 2) for their funding process, so they may not be the right option for everyone.
  • Home Equity Loans. As their name suggests, home equity loans use the value of a borrower’s home for funds. Keep in mind that these can have a longer process than most of the other loans as a house inspection may be required.
  • Credit Cards. Credit Cards are another form of lending that can be used for a variety of reasons. Like personal loans, eligibility will be based on the applicant’s credit. Keep in mind that the average process for credit cards takes about a week.
  • Title Loans. Title Loans are a type of loan that is secured with the borrower’s vehicle. These loans are one of the fastest loans out there, one reason for this is their eligibility requirements which are flexible. Keep in mind that they do come with higher interest rates, and so it is important to find the right lender.
  • Payday Loans. Payday loans are secured by the borrower’s paycheck, the amount that a payday loan can make available is usually a couple of hundred dollars, so if your debt is more than that, consider another option.

Apply for a Title Loans for Emergency Cash Right Away!

If a title loan sounds like the right option for you when taking care of a sick loved one, start with Max Cash Title Loans, the #1 nationwide title loan marketplace.

All the lenders that we work with come with competitive interest rates, and our process is extremely fast and easy. 4 On top of that, we make it our mission to put our clients at the forefront of everything we do.

Getting started with a title loan is simple, head to our website and apply for an emergency title loan, or give us a call at 855 561 5626. A friendly loan agent will help you with the rest.

The Title Loan Application Process

Below is a brief outline of the process will work:

  • Apply for a title loan. The first step is going to involve reaching out to our team, this can be done online or over the phone, in just a few minutes. We are available 7 days a week, making things fast and convenient.
  • Talk to a loan agent and explain what you are looking for. Once you reach out to us, our team will ask you a few questions about your vehicle, yourself, and the kind of loan that you are looking for. From there they will try to find the perfect lender for your needs. 5

You will be asked to send in some documents at this point, mainly to provide proof of identity, income, and ownership of the vehicle.

  • Wait for approval. Once a lender is found, our team will go through the application process with you. And the lender will let you know about eligibility. Once approved, things can be moved forward.
  • Once you receive approval, sign the contract, get your funds. Finally once approved with a lender, you can get the funds you need.1 2

Here are the Documents You’ll Need to Apply: 

title loan, car, vehicle, car title loan, auto title loan

Here is what you’ll need when going through the process:

  • A Valid Gov. Issued Photo Id
  • Proof of Income
  • Proof of Residence
  • Insurance
  • The Car’s Title
  • 3 References
  • Pictures of the Vehicle

If you still have questions about the process check out our FAQ page.

If you need emergency cash when a family member is sick, don’t panic, there may be a variety of solutions that can help you get the cash you need. Things like insurance programs, financial assistance and even borrowing the funds, can help you take care of your loved one, while also taking care of yourself.