I am fortunate because I am covered under insurance. I come in contact with many ppl who didn't plan to be hurt and out of work and are really suffering for that. Of course, having to deal with a long term illness or injury is tough enough with the illness/injury itself. The mental health toll it takes is unbelieveable, even for me. There are few psychologists who are able (or willing) to take someone pro-bono.

I'm in the USA.