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Sorry to hear about your father. Tough spot to be in.
I broke my arm pretty bad back in February and was out of work for 4 months. That surgery alone was well into the 6 figures. Our deductible and copay killed our FSA. My wife and I have been paying for physical therapy and pain management sessions out of pocket for the last year. We have great coverage and make good money, but even with that there is nothing left in our reserves for another life event. Next year the FSA limits are being lowered and I'm only getting more accident prone...