C.H.
You didn't say how old they were but one of the suggestions I didn't see listed was for one of them to go back to work at a job that provides medical benefits -- or both of them get part time jobs and one of those with benefits. Add to the list of needs term L. insurance because if one of them goes, the other will need that for themselves and the kids! Also, all the welfare programs in the world are not going to pay for any extras that many of the other kids will get (lessons, extra curricular activities, or needing care if one of the kids developes a learning difference or a condition not covered by any insurance).