Financial Resources

Environmental Domain

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ENVIRONMENTAL

In the Environmental Domain, the sociodemographics that were moderately correlated were marital status (V = .362) and occupational status (rpb = .321). These two factors had a stronger relationship to environmental quality of life (QoL) compared to the other variables, which showed only weak correlations.

Marital status affected the Environmental Domain because having a spouse often provided emotional, financial, and practical support—such as assistance with transportation to dialysis, navigating the healthcare system, and maintaining a safe, stable home environment. Married patients tended to have better access to resources that improve environmental QoL, while single, divorced, or widowed individuals sometimes struggled with these supports, impacting their living conditions and access to care. Occupational status also influenced the Environmental Domain significantly. Employed patients benefited from better financial stability, allowing them to afford safer housing, better transportation, and necessary healthcare services. On the other hand, unemployed patients often faced financial hardships, limiting their environmental supports and worsening their ability to maintain a healthy and stable living situation.

Thus, marital and employment statuses moderately affected how CKD patients experienced their environment, while other factors like age, sex, education, income, and comorbidities had only weak effects.

Financial Resources

Relates to the available assets, capital, and funding used to support healthcare programs and systems (WHO, 2019). This is the ability of the patient to afford treatment, medicine, and daily needs.

GENERAL INTERVENTIONS

(For age, sex, marital status, household income, comorbidities)

1. Research and apply for healthcare financial assistance programs (e.g., PCSO, DSWD, PhilHealth).

Accessing assistance programs reduce out-of-pocket costs and prevents financial strain (Philippine Health Insurance Corporation, 2024).

2. Set up a dedicated health savings fund for dialysis and emergency needs.

Having a separate fund helps ensure continuous treatment without sudden financial stress (NANDA, 2021).

3. Consult a hospital social worker about subsidy programs or payment plans for regular dialysis sessions.

Social workers connect patients to financial aid resources (Philippine Health Insurance Corporation, 2024).

Marital Status-Based: Married

1. Plan regular “money dates” with your spouse to adjust health budgets monthly as treatment needs change.

Consistent communication prevents misunderstandings and ensures healthcare priorities (Philippine Charity Sweepstakes Office, 2023).

2. Apply for family-based insurance coverage plans that can cover both you and your spouse.

Family plans often offer more affordable health coverage (Philippine Health Insurance Corporation, 2024).

3. Encourage your spouse to join support groups with you to learn about available dialysis financial supports together.

Partner involvement increases financial planning efficiency (Philippine Health Insurance Corporation, 2024).

Marital Status-Based: Widowed

1. Reassess pension, veteran benefits, or survivorship entitlements for dialysis cost assistance.

Many widows qualify for pension adjustments or survivor healthcare benefits (Department of Social Welfare and Development, 2022).

2. Create a simplified budget focused on health, utilities, and essentials after bereavement.

Focused budgeting after loss reduces financial overwhelm (Department of Social Welfare and Development, 2022).

3. Reach out to grief counseling services that may include financial counseling for healthcare.

Integrated counseling supports both emotional and financial healing (Department of Social Welfare and Development, 2022).

Marital Status-Based: Separated

1. Consult a legal advisor about claiming potential financial support or separation benefits applicable to healthcare.

Legal consultations may open up additional financial resources (Department of Social Welfare and Development, 2022).

2. Request for a social worker to assist in navigating government grants post-separation.

Social workers specialize in connecting separated individuals to specific financial programs (Department of Social Welfare and Development, 2022).

3. Organize your assets independently and prioritize health expenses post-separation.

Asset reorganization ensures dialysis continuity after life transitions (Department of Social Welfare and Development, 2022).

Marital Status-Based: Separated

1. Attend free financial planning webinars focused on solo health management budgeting.

Single patients independently manage finances and benefit from expert advice (Department of Social Welfare and Development, 2022).

2. Set up automatic savings deductions into a health fund from any income you receive.

Automating savings ensures consistent financial preparation (Department of Social Welfare and Development, 2022).

3. Join single-patient community groups to exchange tips on affordable dialysis-related expenses.

Peer support increases financial resource awareness (Department of Social Welfare and Development, 2022).

Occupational Status-Based: Unemployed

1. Register at your barangay livelihood programs for skills training with financial allowances.

Livelihood training enhances self-sufficiency (Respicio, 2025).

2. Apply for unconditional cash transfers or health vouchers offered to unemployed individuals

Government grants reduce financial pressure for unemployed patients (Respicio, 2025).

3. Engage in online freelancing platforms offering easy-entry jobs suited for patients.

Flexible online work offers income opportunities while managing dialysis (Respicio, 2025).

Occupational Status-Based: Employed

1. Talk to your HR department about health support benefits like flexible health insurance for dialysis leave credits.

Workplace benefits can ease financial burden while maintaining employment (Respicio, 2025).

2. Set aside a fixed percentage of your salary monthly for dialysis-related expenses.

Dedicating a portion of income increases readiness for unexpected health needs (Respicio, 2025).

3. Explore government incentives for employed persons with chronic illnesses.

Some labor laws provide benefits for working individuals with health conditions (Respicio, 2025).

References

NANDA International. (2021). NANDA Nursing Diagnoses: Definitions and Classification, 16th Edition.
Philippine Health Insurance Corporation. (2024). PhilHealth Circular No. 2024-0014: Coverage for chronic kidney disease stage 5 (CKD5) under the Dialysis Database. https://www.philhealth.gov.ph/circulars/2024/PC2024-0014.pdf
Philippine Charity Sweepstakes Office. (2023). Medical Assistance Program (MAP). https://www.pcso.gov.ph/ProgramsAndServices/CAD/MedicalAccessProgram.aspx
Respicio, P. (2025, June). Government medical assistance programs for families in the Philippines. Respicio.ph. https://www.respicio.ph/commentaries/government-medical-assistance-programs-for-families-philippines
Department of Social Welfare and Development. (2022). Unconditional cash transfer program: Implementation and updates. https://www.dswd.gov.ph/unconditional-cash-transfer-program-uct-2022-updates/