Minnesota appears to be a relatively good state to be in if you want your marriage to work out. It has one of the lowest divorce rates in the country with only 12.8 individuals out of every 1,000 married people to go through divorce as of 2017.
A drunk driver T-boned your car at an intersection, and you and your children ended up in the emergency room. Your kids are fine, thank goodness, but they will need follow-up appointments as they recover from broken bones, lacerations and soft-tissue injuries. You need a couple of weeks off work while you are taking the pain medications, but even after your wounds have healed, the doctor thinks you may have permanent nerve damage in your arm and hand.
Social Security Disability benefits are notoriously difficult for applicants to receive. Typically, around 70% of applicants are denied benefits during the first application.