I know the position your in. Same thing with me, however, I was much older at the time (in my 60's) but still had good years ahead. But got sick and was off for 3 months and at the end of that period the phone rang and I was told "Ta Ta". Sometimes good comes from bad. I was able to get disability and STAY at home to nurse my husband who had MS rather severly and passed in 2001. Today, I quilt all the redwork I did when at home with my DH.