He might have insurance - I thought it was mentioned that he was self-employed at the moment? Even if he does, he will have hit his OOP max for this year already and will hit his OOP for next year rather quickly. OOPs often do not include prescription deductibles and they also do not pay for everything even once you have hit them. If the doctors are correct he will be undergoing extensive speech therapy to learn how to process spoken language again. Who knows if he will need to undergo any sort of physical therapy? Either one of those could prevent him from working indefinitely. If he was surviving on COBRA benefits and they run out while he is completing therapy, what then? Further, both short and long term disability can be difficult to get approved, if he can get them, and even then get them at a level that will allow him to support himself while undergoing therapy. Events such as this can lead to cascade failure in people's lives. Damien is so very lucky that he has so many caring people in his lives; it is nothing short of amazing that the fundraiser that his friend setup has generated so much interest and with it so much money. It seems as if it could be a hard road to recovery, but the support system he has in place should make the emotional impact that much easier to deal with. That is, I am sure, part of what drove his kickball friends to start the fundraiser.