To the editor: My family and I lost our father and husband to cancer in November. When he died, I was left in a very difficult financial and emotional situation. My husband retired from the New York City Police Department several years ago. When he did this, he bought out his pension in order to start a new life for his family - unaware that he would not live long enough to see his plans for the future through. His health started to fail and he was diagnosed with cancer. Being the fighter that he was, he never believed he would die. He battled with the fatal disease for two and a half years. During that time, our financial situation slowly deteriorated. For those who may not be able to understand how a 22-year veteran of the NYCPD can leave his family in financial difficulty after he passes away, this is how. Buying out a pension can be disastrous. Upon his death, the family was no longer covered by insurance and his monthly pension amount stopped. Of course, I could not believe this and immediately contacted the proper authorities and organization and set up an appointment. I walked away from that meeting devastated. I even tried reaching the mayor’s office, but have yet to receive a reply worthy of mentioning. I know in my heart that our situation was something he never anticipated, but it happened. My family and I are very fortunate to have loyal family and faithful friends. I had no idea friends started planning a benefit dinner on our behalf. Then two of my closest friends told me about two weeks before it was going to take place. I was so shocked that I cried. I was worried that people would think terribly of my husband and I was embarrassed. Since then, I’ve learned to graciously accept the help everyone has given to me and my family. My words of thanks could never be enough, but I want everyone to know I say them from the bottom of my heart. The check I received was unbelievable and it will be used cautiously and wisely. The momento given to me from the dinner was a scrapbook. It includes pictures and notes from those who attended. I was even given a list of everyone who donated money. It is such a wonderful feeling to know that so many people care and were willing to support me and my family. We know who you are and we cannot thank you enough. Maria, William, Steven and Danielle Cytowicz West Milford