Thank you ALL, for your ernest answers. I'm sorry it was such a difficult questions to answer, I'm just trying to be optimistic that I'm not going to miss so much time that I go into a LWOP (Leave W/O Pay) status....One of the good things about working for the Government is people can donate annual leave to others in need. Every year end, (like now), there are alot of Gov. employees who have so much annual leave saved but are not able to use it (for whatever reason)t, so they donate it to others...it's either "use it, or lose it" so they donate the extra hours to others in need. There are a lot of people in need of annual leave, but there are also a lot of very generous people out there that help out. 2 years ago, my sisters 21 year old son was diagnoised with bone cancer and the closest hospital that deals with that type of sarcoma, is Mass General. She being a single mom, would travel back and forth for him to get his treatments. He has a major surgery 6 days before Christmas so I used a lot of leave to be with her. I also donated a lot of my leave to her because she is also a Fed. employee. I had the hours, she needed them, so I donated...gladly..but I had no way of seeing my own future and the need for annual leave, not that I'd do it any differently, I wouldn't.....she was desperate and needed the time, and I was more than happy to help her out - it was her son and he needed her and she needed to be with him, so - thus is the reason for my questions regarding "out of work time"........You're right, my health is more important than anything, but still, it's hard to think of putting my family in financial need if I have to be out for a long period of time without gettin paid...Unfortunately, the Gov. does not have "short term disability" for it's employees.....
Thanks again for all of you who took the time to respond ; ) Geatly appreciated !!