This is a reality for people who are self employed...we do not have sick days. We do not have back up, we do not have the luxury of calling in sick. I was fortunate enough to fall ill over the holidays and December was a slow month, so I did not fall as far behind as I might have had it been a busier month with more billeable days. It has created a viscious cycle though...I have to get work done in order to earn money and to continue to meet my obligations to my clients, but by working, I am unable to get the rest I need to properly recover...and so I simply am unable to get back to 100% as quickly as I would like. As I lay on the couch, wrapped in a blanket, and shivering with fever, I panicked...I realized I had no backup, and I was the product. And the product was vomiting and incoherent. Being sick was no longer simply a PITA, this was a serious business issue. There is no such thing as flu insurance for a small business owner, you just have to suck it up.
Add this to my already long list of reasons to eat well, exercise, and stay healthy. Maybe it is time for small business owners to bond together and form some sort of Healthy Nut group aimed at keeping those of us working bizarre hours in order to meet client need