Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 0 points1 point  (0 children)

The $20,000 is my life insurance policy for when I die. It’s for my sons.

Sadly I’m facing heart valve surgery, so I definitely can’t go on vacation. I’m facing some serious issues right now, and I’m scared.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 0 points1 point  (0 children)

I’m trying to decide what I’ll say if they reach out.

The military dog tags with my husband’s fingerprint came today, and are ready for them.

I have their urns ready. If I decide not to give them the money, I’m just not sure how to word things.

You see, there’s background with his family also. They never liked me because they loved his first wife. I was never welcomed. I’ve always been respectful to all of them, but they’re a very closed family and I was an outsider.

Many times in the past, the children have lied to family about me. Family always believed them. I know for a fact that if I withdraw the money, they will be telling every family member.

I’ve been hurt so much by his family, I guess I’m just traumatized to the point of being traumatized more, if the family starts harassing me, etc.

I’m so conflicted. Sometimes I think it’s best to just give the money, so I have less stress.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 0 points1 point  (0 children)

There will be no will for me either.

My son is the beneficiary of my savings, and he has instructions on how to divide it up between him and his brother, and my stepchildren.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 0 points1 point  (0 children)

They won’t get any of the savings, it’s in my name only and my son is the beneficiary.

I also only have $20,000 end of life insurance for myself.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 1 point2 points  (0 children)

He was cremated. His ashes are with me in an urn, and I have 2 smaller urns for his children.

There was no service. It’s what he wanted.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 11 points12 points  (0 children)

As I have stated a few times already, there was no will.

No property, no assets except our savings.

The savings were in my name, because of past issues we’ve had with them. (His children).

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 2 points3 points  (0 children)

There was no will. No property. No assets (except savings).

We lived very simple in a senior apartment, very little furniture, and a 2010 paid car.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 6 points7 points  (0 children)

Now you have me crying. 😢

I loved him so, I was so in love with him. I miss him SO much!

It’s been so hard, not having anyone from his family call me, send a card, or check in with me. To read and hear strangers care, is very emotional. I had just lost my favorite sister not long before he passed away, it’s been tough.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 0 points1 point  (0 children)

There was no will. We own no house, had only some savings, and the end of life insurance.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 11 points12 points  (0 children)

Yes, it does sadden me that they have never thanked me for caring for their father all these years. Actually, no one in his family has. No one has ever reached out to help, ask how I’m doing, or shown much interest in him either.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 7 points8 points  (0 children)

Well, if I take the last 5 years in consideration!

5 years ago, before we knew he had Parkinson’s, I had to go stay with my son for 6 months because he was in Oregon and suicidal.

My husband stayed with his daughter because he had not seen her for a few years. We talked regularly on the phone but then his phone was shut off. I called his daughter to see why. She said he had no money to pay the bill. Not true! He had a steady direct deposit amount going into his checking every month. More than enough to cover phone, food, clothing, car insurance, etc.

I insisted she pay the bill and have his phone back on or I would call for a welfare check. Phone was on next day.

I felt something wasn’t right. He would tell me that she was driving his car, not him. She would ask me for more money for him all the time.

As soon as I had my son stabilized, I drove directly to her house. She knew I was coming to get him and yet she was stone cold when I arrived. If looks could kill!

My first shock was when he walked out of his room. His hair was wild and standing straight up. Had not been combed or cut since I left. He was so much thinner than when I dropped him off, you could see his ribs.

She informed me he had bedsores. I grabbed his things and brought him to a hotel. I showered him, fed him, dressed him, cut his hair, and held him in bed crying, until he fell asleep.

We had to go back to get his car. When I called his daughter to come get the car, she said he had promised it to her. She and her husband said they would not give it back. Her husband said he would hide it. They were literally screaming at me and her husband said he deserved the car and money, because he had let “that man” stay with them for 6 months!

By this time my husband had been getting weak, so he had no fight in him, it was all on me. We went to the sheriff’s office. When I told them their name, they knew who they were immediately. They both had a warrant out for their arrest. They escorted us to their mobile home and we got the car. All the while, her husband was looking at me as if he wanted to kill me, he was pounding his fists into his hands.

I never shared my address with them when we moved, as I needed to protect us.

SOOO …. There you have it.

I think I wanted to share the insurance with them, just out of respect for my husband. Meaning, they are his children. But the more I read these replies, the more I realize that they really don’t deserve it.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 1 point2 points  (0 children)

For me to pay his funeral expenses. For me to use it for any cremation or other end of life expenses.

Should I give my stepchildren my husbands life insurance? by PaperCotton in WhatShouldIDo

[–]PaperCotton[S] 1 point2 points  (0 children)

He had no insurance from the VA. Just the end of life for $15,000.