So your friend has no sick time? Last time I used mine, I got paid up to 80 hours of pay, per month. If your friend is out of sick time, did she take the voluntary short term disability insurance? If not, she should have. If she exhausted those, did she elect to take the long term disability? If not, she should have. If she is really in a pickle, maybe she should contact wings for help. Either way, you make it sound like she is on food stamps and welfare. Problem is she has or had sick time and had the opportunity to elect short and long term disability insurance. It isn't your, mine, APFA's or AA's responsibility to coddle those who make bad choices. It is only the individual employees choice. Plus it is irrelevant what her husband has chosen to persue as a career choice. So, NO it isn't APFA's fault she might have no income, because she could and should have if she made the right choices.