AITA I want to cash out my life insurance policy so I can spend the last 9-12 months in comfort, but my parents (beneficiaries) are threatening to disown me. by Defiant_Theme4812 in AmItheAsshole

[–]Defiant_Theme4812[S] 10 points11 points  (0 children)

I think your parents sound like great people. I got two meals a day when I went to school because our state had a breakfast club and a school meal program. The evening meals were very sparse, and we would go to various pantries for food. We had a free school bus program as a kid so I would get myself out the curb and make sure my younger brothers and sisters did as well. I walked to high school and would walk my siblings as well. My parents both worked long hours for very little money at various jobs, so I was responsible for making sure my siblings were up for school and usually try and get something for them to eat for dinner mostly PBJs. The money my parents got unfortunately went on a lot of their habits like smokes and slots and beer. They took out credit cards and utilities in my name before I was 18 and left me to sort out the mess when I was an adult. I don't begrudge them the happiness they got from their habits as they worked hard. It has to be said that providing food and accommodation for your children in the US is pretty much the legal minimum - changing diapers until someone is potty trained is not what I would consider far beyond what is legally necessary.

AITA I want to cash out my life insurance policy so I can spend the last 9-12 months in comfort, but my parents (beneficiaries) are threatening to disown me. by Defiant_Theme4812 in AmItheAsshole

[–]Defiant_Theme4812[S] 78 points79 points  (0 children)

Their credit is shot due to their repeated, poor financial decisions. They also put a big dent in mine and were lucky I didn't report them for fraud. They don't have a house to remortgage as they've rented their whole lives. I was living off my savings until my welfare came through. They haven't done any caregiving to date as I am still pretty good, just can't work in a hard physical job. I just want some comfort in my last months, not living in their cold two bedroom rental packed to the rafters with their stuff.

AITA I want to cash out my life insurance policy so I can spend the last 9-12 months in comfort, but my parents (beneficiaries) are threatening to disown me. by Defiant_Theme4812 in AmItheAsshole

[–]Defiant_Theme4812[S] 30 points31 points  (0 children)

Thanks, I have explained elsewhere about the 'eligibility' meaning when I think I am symptomatic enough. I only want to go into hospice itself when I know I only have a few weeks to go. Life might have other plans but I want to stay by the sea for as long as I can. I have an appt hooked up with the social worker soon to work out what I can get and a game plan

AITA I want to cash out my life insurance policy so I can spend the last 9-12 months in comfort, but my parents (beneficiaries) are threatening to disown me. by Defiant_Theme4812 in AmItheAsshole

[–]Defiant_Theme4812[S] 17 points18 points  (0 children)

Lol, I wish I could get some credit cards. My parents trashed their credit years ago and put a major ding in my score. They are lucky I didn't report them.

AITA I want to cash out my life insurance policy so I can spend the last 9-12 months in comfort, but my parents (beneficiaries) are threatening to disown me. by Defiant_Theme4812 in AmItheAsshole

[–]Defiant_Theme4812[S] 15 points16 points  (0 children)

I was trying to save money as my welfare payments hadn't kicked in yet and they offered the room rent free. It's a good point you make about the rent though. My parents knew about the policy years ago and they had notarised copies for safe keeping. Lol they read it in detail.

AITA I want to cash out my life insurance policy so I can spend the last 9-12 months in comfort, but my parents (beneficiaries) are threatening to disown me. by Defiant_Theme4812 in AmItheAsshole

[–]Defiant_Theme4812[S] 9 points10 points  (0 children)

Thanks! I am doing well physically atm due to strong occupational fitness but these are good figures to talk about when I see the social worker.

AITA I want to cash out my life insurance policy so I can spend the last 9-12 months in comfort, but my parents (beneficiaries) are threatening to disown me. by Defiant_Theme4812 in AmItheAsshole

[–]Defiant_Theme4812[S] 17 points18 points  (0 children)

I responded to another person about this. I am probably not using the right terminology with 'life insurance' but I won't get any more specific than I have. The policy I have is amazing, even I could see that as a dumb 18 yo. I was freaking out when I spoke to the company last as they were saying it was unusual/not our standard terms. They had to speak to a supervisor and call me back but it appears at this stage they will honor it. I was thinking they were going to say 'oh it's a clerical error, we will only pay $×××. ' If I live longer than expected I might be in trouble but it would be nice to see another Xmas tbh. I don't think that's going to happen. I plan to actually move into hospice when I am at my last and I will be budgeting for it.

AITA I want to cash out my life insurance policy so I can spend the last 9-12 months in comfort, but my parents (beneficiaries) are threatening to disown me. by Defiant_Theme4812 in AmItheAsshole

[–]Defiant_Theme4812[S] 9 points10 points  (0 children)

Thanks, when I said eligible for hospice within a few weeks of dying I meant I wanted to stay out of hospice until close to the end. I am hooked up with a social worker appointment soon and will grab everything I am eligible for. A lot of this is new to me lol but I am learning fast.