When Dani met with the WorkLife Navigator, she was struggling to afford childcare for her two children. Her regular babysitter had fallen ill, so Dani started using a nearby daycare—which left her paying $800 more a month than she would typically spend. Due to this new expense, Dani started working less so she didn’t have to pay for childcare, even though this greatly impacted her monthly income. Dani was also putting $400 a month toward medical debt. To bring Dani some financial relief, the Navigator connected her to several food/clothing pantries for her children’s needs in addition to helping her pay down her energy bill through Energy Outreach Colorado funds. Dani is also working with WorkLife’s Health Insurance Literacy Navigator on her medical debt and with WorkLife’s Childcare Business Manager to find more affordable childcare options. Because of this support, Dani has been able to return to work full time.
Accessing Treatment & Support
Racel was referred to her Navigator by HR after missing a few days of work. She had experienced a substance abuse relapse and was in need of support to find treatment. Racel and the Navigator talked about her past history with addiction, and the Navigator told her about programs in the community. Together, they were able to call her insurance to find several in-network treatment options accepted under her health insurance plan. Racel was evaluated by a substance abuse professional and enrolled in an outpatient program that allowed her to continue working while receiving intensive outpatient treatment. The Navigator also connected her with long-term support programs, such as AA, to help her maintain her new sobriety.
The WorkLife Navigator met with Janet who is employed as a CNA and is currently attending nursing school in addition to caring for her husband and four children. Janet disclosed that she was in need of $1,200 in vehicle repairs, as her car was not drivable. The Navigator and Janet worked together to identify how the cost of the car repair could be leveraged by utilizing financial programs/resources such as LEAP and MPowered and direct service funding. The Navigator also supported her in obtaining quotes from different mechanics in order to find an affordable repair option. Through the help of the Navigator’s research and support, Janet was able to pay for her car repairs, and her vehicle recently passed its emissions test.
Managing Work/Life Stress
Jeff met with a WorkLife Navigator because his wife recently lost her job due to an injury, and he was feeling the stress of supporting a family of four on one income. He also mentioned to the Navigator that his job was becoming very demanding, and he was nearing a breakdown. The Navigator sat down with Jeff to go over his employer’s EAP benefits, and they were able to find free counseling sessions in Jeff's area that fit his schedule. After a few months, the Navigator received a call from Jeff. Jeff reported that he had been consistently seeing his new counselor and is now able to better handle his home stress so it doesn’t interfere with work.
Getting Back on Track
Alex, who was a new arrival to Colorado, was raising his 5-year-old daughter alone. When he discovered that childcare costs were much higher than in his home state, he started falling behind. In addition, he fell 3 months behind on his car payment and was in danger of repossession. To stabilize the situation in the short term, the WorkLife Navigator was able to get him caught up on utility payments through Energy Outreach Colorado. The Navigator reached out to another local nonprofit that was able to locate less expensive childcare. Finally, Alex and the Navigator decided together that a bankruptcy was needed to help get him out of debt and back on his feet. The Navigator called on a partnership with a Denver law firm to file for a low-cost bankruptcy. Now, Alex is using the principles he learned in his financial training and is on track to getting a down payment for a house with the money saved from reduced childcare, transportation, and housing expenses.