Being diagnosed with ovarian cancer can have a big impact on your finances and you may be concerned about your career. No matter whether you're working for an employer, self-employed or in education, here we look at how you can make the best practical decisions based on your individual needs.
Work, education and finances
Being diagnosed with ovarian cancer can have a big impact on your finances. Your income may fall and your costs may go up. For the most up-to-date advice and more in-depth information about your entitlements, contact Macmillan Cancer Support or Maggie's.
You don't have to tell your employer that you have cancer but it may help them to be supportive and flexible. Having cancer counts as a 'disability' under the Equalities Act 2010 (in England, Scotland and Wales), or the Disability Discrimination Act 1995 (in Northern Ireland).
This means that your employer or college/university must not discriminate against you and must be prepared to make reasonable adjustments to help you take time off for treatment and medical appointments, as well as to continue with or ease back into work or education.
If you need to take time off while receiving treatment, you could speak to your line manager or a mentor to see if there's a way of keeping up-to-date when you feel up to it. You may opt to receive a regular professional magazine or journal for you to read when you're feeling well enough, or email updates on projects you have been working on.
Returning to work
If you've taken time off while receiving treatment you can create a return-to-work plan with your employer to ease yourself back in. This might simply be a matter of slowly building up to your normal hours, or perhaps working from home sometimes. It may help to call into work ahead of your return or to speak to a colleague about how you want to be treated. Your colleagues will appreciate your honesty as they may not know what to say.
If you're self-employed
If you're self-employed, the same practical issues may apply to how much work you feel able to do. You won't have the security of employer sick pay schemes but may have private sickness insurance. You may want to think about scaling back your business while you are unable to spend as much time on it as you would normally, and focusing on the essentials. Macmillan Cancer Support has excellent information for people diagnosed with cancer who are self-employed.
A cancer diagnosis may have some impact on your pension. It's a good idea to check with your current pension scheme to see if your diagnosis causes anything to change.
Further help with practical and financial support:
- Maggie's Centres – You can get confidential advice about benefits you may be entitled to by contacting a Maggie's Benefits Adviser at your local Maggie's Centre.
- Macmillan Cancer Support – A Macmillan Benefits Adviser can offer specialist advice including information on beneﬁts, insurance, tax credits, grants and loans. Call 0808 808 00 00 (Monday to Friday, 9am–8pm).
- Citizens Advice – Citizens Advice provides free independent and conﬁdential advice online and in over 3500 locations in the UK.
- Trade unions – If you belong to a trade union they may also be able to offer support and advice.
Benefits and ovarian cancer
The amount of financial help that you are entitled to will depend on the impact your cancer has had on you and your financial circumstances.
There are different types of benefit entitlements, including benefits that replace your earnings, help with housing costs or help with some of the extra costs resulting from your illness. Other financial help is available for people on a low income due to long term illness, including support with council tax and help with health costs such as travel to hospital.
Navigating the benefits system can feel like a bit of a maze, so you may wish to seek advice from a benefits adviser at Macmillan Cancer Support, Maggie's or Citizens Advice.
Life and illness insurance
Having cancer should not affect any existing life or critical illness insurance, but you may find it more difficult to obtain new insurance once you have been diagnosed with cancer. Insurance companies may quote you a very high premium so it can help to talk to an insurance broker who can advise you on more specialist policies.
For further advice about cancer insurance plans, you can speak to Macmillan Cancer Support's financial guides team by calling 0808 808 00 00.
Routine travel insurance policies may exclude any risks associated with your cancer or exclude you because you have cancer. However, there are more specialist policies available. It's important to check that your insurance policy covers claims related to pre-existing conditions such as cancer.
Global Health Insurance Card
On 31 December 2020, the UK left the European Union (EU). If you're travelling to a country in the EU you can now apply for a free UK Global Health Insurance Card (GHIC). This is available via the NHS and allows you to receive medical cover on the same basis as a citizen of the country that you're visiting. With this card you can access healthcare that is medically necessary (it can’t wait until you come back to the UK). Whether treatment is necessary is decided by the healthcare provider in the country you're visiting.
If you still have a valid UK European Health Insurance Card (EHIC) you can continue to use this when travelling to EU countries until the expiry date on the card. Once this has expired you’ll need to apply for a new GHIC card. You can apply for this up to six months before your EHIC expires. To see if you should apply for a UK issued EHIC find out more on the NHS website.
These cards don’t cover treatment planned in advance but if you do need continued treatment for an ongoing illness while you're abroad (like regular injections) they do cover this.
Cancer Research UK has more information about EHIC and GHIC.
If you live in Wales, Northern Ireland or Scotland then prescriptions are free. If you have a diagnosis of ovarian cancer and live in England you can apply for free prescriptions. This is called an exemption certificate.
Cancer Research UK has more information about applying for free prescriptions.
Last reviewed: May 2021
Next review: May 2024