Some of us are able to work and some of us are not. Can you get intermittent FMLA when you get back? You may want to look into bankruptcy. No one wants it but it's there for a reason. My husband teaches at home-school co ops 3 days a week. Some teachers make $6,000 a semester for one day of work a week. Virtual school maybe an option too. I fully believe you can still teach but it may take getting creative to do it depending on how ill you are.