Up front disclosure - I am not dropping out of school. I will figure this out. Not asking for anything, just venting.
Yesterday when I was out with the boys, I stepped in a kit fox hole and felt a pop in my knee. It was the same leg I broke earlier this year so I babied it the rest of the day. I let the boys finish their games and then we headed back to the house for dinner. By the time we got back to the house, my knee was very swollen and the healed area of the recent break was throbbing. My employers noticed and asked what was wrong. I explained what had happened and how it was hurting and they wanted to take me to the ER immediately. Problem is, I don't have health insurance when school's out. During the school year, students have access to the clinic and have some coverage that can be used at the County hospital (they have a pre-determined contract for servicing uni students for cut rates). I explained this to Jack and Jill* (employers pseudonyms). Jack said he'd call a friend of his (a doctor) and see if he could get a gratis exam. His friend "Doctor" agreed and we went to his house. Doctor thought I had either rebroke the bone or injured the knee (by now it was locking up) and said I needed an xray. They called around and the cheapest xray was to be had at a walk-in clinic. Jack and I drove to the clinic. They wanted $400 for the exam and an xray. I told Jack I didn't have that kind of money and he said it was "okay". I went in, got my xray, and the doctor at the clinic said I really needed a CT scan, but that I shouldn't walk on the knee for a few days or until I'd been cleared by an orthopedist or the CT. He put me back on crutches.
Needless to say, there's tension now with my employers. I'm in pain and on crutches. Luckily, it's the weekend and I'm not officially "on duty". Jill* asked me if I could "do my job" tomorrow and I was honest with her - I'm just not sure if I can. If these boys were boys who liked to be indoors or hanging around the house, then I could do this from the couch. I told her that I was pretty sure we couldn't do our originally planned trip to the lake to fish. She was not happy at all. She said that my living there was with the understanding that I would work. I can understand her position - I wouldn't want to pay for a nanny who couldn't nanny, but she's not paying me cash, so what does this mean? Is she going to kick me out? Then, Jack came into the room and said that we would have to "discuss that $400". I told him I can pay him back part of it but it almost decimate my savings for school account (I think there's $500 in there now). He seemed like he understood that that was a scary idea for me and then he took the shopping list from the fridge and asked me what things on there (of mine) were non-necessities. NOTHING! I'm so upset because I really should've taken the advice some of you gave me to get a more detailed contract and to not undervalue what I've been doing for them. I was just so desperate to get a room for the summer that I neglected to consider how a situation like this would work out. Any advice now?
ETA: Up until now our arrangement has been working and I didn't expect them to have the reaction they are having. Am I being naive about this? Would you feel this way if your nanny were injured? What would you expect? Maybe I need another perspective?