Great as far as the medical care and equipment it provided, it was a very different story when it came to income compensation, leaving Andrew to struggle on a meagre $14 000 a year payout. It took him 10 years to return to his passion and start skiing again after his accident – not because of the physical challenges, but because of financial ones. He believes lack of planning cost him 10 years of living his passion – a passion that now makes his life a lot more fulfilling. People survive all sorts of accidents and illnesses, but Andrew asks: is surviving enough? What about a fulfilling life doing what you are passionate about? What will it cost to live your passions in a disability world? If the worst should happen, do you want to just survive, or thrive?