I have recently had some unexpected medical and personal bills to come up resulting in the need for me to have a knee replacement along with epidural and rehab to my back.  I'm a single income household and my short term disability will not cover all my medical and personal expenses.  I'm not one to ask for hand outs but I have exhausted all other avenues including taking on an additional job so that will be more income I will be losing when I'm able to have the knee replacement done.