In this episode of Chewing It Over, Jack is joined by Heather Mclellan, physiotherapist, occupational health specialist, and founder of The Return to Work Mentor, to explore a largely invisible gap in healthcare: what happens when people—especially small business owners and the self-employed—become ill or injured and have no access to occupational health support.

Heather explains that while large organisations often have structured return-to-work systems, most UK workers are employed by micro-businesses with fewer than ten staff, where occupational health simply doesn’t exist. As a result, people are left to “chance it”: either staying off work longer than necessary due to fear and uncertainty, or returning too early without a plan, risking relapse or failure.

The conversation becomes deeply personal as Heather shares her own experience of suffering a rare stroke caused by an underlying blood cancer. Despite decades of expertise in vocational rehabilitation, she found herself navigating illness, identity, and work with virtually no formal support. Even income protection policies failed her—not because she lacked cover, but because she hadn’t “played the game” correctly by formally stopping work and obtaining a sick note.

Together, Jack and Heather unpack the emotional, cognitive, and financial strain of trying to hold a business together while managing a life-changing diagnosis. They discuss how performance, identity, and responsibility often mask distress, and why pathway-based or insurance-led systems routinely fail people at their most vulnerable.

Heather introduces her “before, during, after” framework for health crises, which underpins The Return to Work Mentor. The goal is simple but powerful: to give people calm, practical guidance—direct to the individual—so they’re not left alone to navigate one of the hardest transitions of their working lives.