Hugs, this really sucks... I feel lucky in that Dr. T has a sliding scale and will go quite low for some clients, apparently (mine's slightly reduced because of changes in my insurance reimbursement that started last year). He's said he's greatly reduced the rate for some who are out of work right now because he doesn't want them to have to go without therapy. (Which shows a particularly caring side of him...) When I asked if he was taking any time off coming up, he said he's trying to work as much as he can, partly because of that, and also partly because a couple practitioners he leases space to (like a massage therapist) can't pay him right now, so he's a bit concerned about being able to pay his lease (he leases a bunch of offices and waiting room, then rents them out to others, including my D's T).


So it could be a concern like that for your T, like would he have to give up his office space? It's clear he really cares about you, and I hope maybe you could work out some sort of arrangement. Like, is it possible you could carry a balance with him for now to pay off in the future, once you can look for work again? Less good option, but still possible--could you put it on a credit card to pay off later? It would just suck to have reduced support right now...

Or could you create a sort of budget with your H, where, after the regular expenses (like housing), you each get a certain amount each month, and you can do whatever you want with that money, no questions asked?