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W.T.F.... someone please tell me they can't do this!!!

3LittleDragonflies's picture

BM wants to get life insurance on her child as soon as it is born. More than "Oh, just enough to cover the cost of the funeral" life insurance.

WTF?!?!? SHE messes up and gets pregnant with a guy she met in the mental hospital's kid while she was on SERIOUS meds that are causing SERIOUS birth defects, and now SHE wants to financially profit from it?! ARE YOU FREAKING KIDDING ME?!

Please, someone tell me she can't do this!!

Comments

3LittleDragonflies's picture

She's on medicaid. Child will be on medicaid. Child isn't likely to survive her birth (Major Heart Defect, Lungs not developing properly, Hydrocephalus... BM was on SERIOUSLY strong meds and was supposed to be using two forms of birth control... oops.) and BM told DH she's going for as much as she can get.

Sickest thing about it is, WE wanted to get the Gerber Growup Plan for SD when she was born. BM refused. Flat out said she wouldn't let us ever have SD if we had life insurance on her. WTF did she think, we were going to kill SD for the money?!

bi's picture

i have gerber on my kids, too. not because i want to go on a spending spree if anything happens to any of them, but because if God forbid, i lost one of them, i want to be able to give them a nice funeral and bury them decently. i sure as hell hope i never have to use it. and if i don't, they can cash the policies in or keep paying on them as adults.

NevermoreLenore's picture

Funerals can be extremely expensive. I think it wise to get some coverage if she knows that her child will die soon after birth.

Aeron's picture

There's no law against it... But it's possible that if the birth defects are that serious, she may have a Very hard time finding a company that's willing to insure the child. I'm guessing the defects are serious enough that they may be fatal in the first few years?

I can't imagine an insurance company that would be willing to insure for mega bucks without a health check and they won't approve it if they think its a bad investment so.... maybe she just won't be able to find coverage for more than a funeral cost...

So sorry for the baby.... What a wretched woman.

B22S22's picture

Life insurance.... I never really thought about it in my younger years, but was glad my first DH had a large policy. His "simple" (and I seriously mean that -- no limos, no huge sprays of flowers) funeral 10 years ago was over $12,000 including the cemetery plot, headstone, and funeral services. I don't even want to get into the hospital bills I was left with. It's not something people really want to deal with in their 20's and 30's, but I would have been financially ruined had he not had those policies.

I also have two life insurance policies for each of my kids -- each one has a policy I started when they were born, and then they have policies thru my employer. I hope to all that is holy I never have to be the beneficiaries of those but at least I know I have them.

3LittleDragonflies's picture

Let me make this clear: I'm far from against insuring children. Both my girls are on the grow up plan (THANK YOU GRANDMA!) and we offered to get it for SD when she was born.
BM literally told DH that she is going for as much as she can get because she "knows" the baby isn't going to make it. She's on Medicaid (and by extension the baby is on medicaid once she is born) so she's not trying to cover the hospital bills. The doctors told her to expect the baby not to live very long after birth.

NevermoreLenore's picture

And so? Most of these insurance programs for babies do not have a high pay off. As expensive as funerals are she better try and get a good policy! My mother had to take a loan out to cover my sisters funeral!

I highly doubt we are talking about millions or even as much as 100 grand

NevermoreLenore's picture

Also, if she was on medication for mental illness I think its really shitty to blame her making the baby have birth defects, it isn't as if she PLANNED to be mentally ill and planned to get pregnant just so the child would be born dead. My word!

3LittleDragonflies's picture

Oh, no... she didn't plan it... She just stopped using BOTH forms of birth control while on meds that she was TOLD MULTIPLE TIMES would cause massive birth defects if she got pregnant while taking them. Trust me, she was well informed of the risk she was taking. Right before she found out she was pregnant she complained to me that her doctor was constantly bugging her as to whether she was doubling up on birth control.

NevermoreLenore's picture

I hate to say it, but mentally ill people aren't always as proactive about things as they should be . Sad

misSTEP's picture

For all the posters trying to give this BM the benefit of the doubt, we will see what a wonderful huge funeral she gives the baby.

Most likely, she will cry poverty and have the state bury the baby in an unmarked grave with a plywood casket. Then pocket the cash when it pays out from the policy.

Shaman29's picture

I'm sorry....why is this a problem or anything for you to worry about? Lots of people get life insurance on their family members. Sometimes death is sudden but most of the time it's illness, hospitalization and then funeral expenses.

You really should weigh this information under - will the BM's life insurance policy be on the top three things you think about when you're on your death bed???

Probably not.

Seriously. This is none of your business. Forget about it, go about your day and find something that will make you smile.

overworkedmom's picture

Don't most insurance policies have a period of time before they can come into effect? I know that mine was like 3-6 months of underwriting before it was in partial effect and then another year before in full.