This bill would support the families of terminally ill and/or long-term ill children. Many families fall into the income level range that does not allow them to qualify for medical assistance from the government. These families have too much income to get assistance, yet not enough income to pay the rapidly rising cost of medical treatment their child must receive. With the state of our insurance system many families like this don't have any or have very limited coverage. As well many families have one parent who has to not work in order to be with the child for the many treatments and many long term stays in the hospital. The other parent can't work as much and usually travels from work right to the hospital. Ask yourself if your child were terminally ill and going through these treatments, usually at a hospital far from home, if you would not be there with your child all the time. In many of these cases, the families have to give up their home because they can't afford the home and pay these huge medical bills. If this bill was passed and you fell into these income levels, you would obtain a letter from your child's physician. This letter would state your child is terminally and/or long-term ill. You would then present it to these creditors, which at that point could not legally take your home from you and have to stop all collection activities involving the home. "Imagine losing your child to an illness and you and your family also lose the home that you raised your child in. I have met too many people in this situation. It is so hard on the mom and dad and the siblings already, but not being able to come home makes it that much worse", Ed Silver states.