I keep getting enraged at my mom, who is completely helpless. I ask her to go to social security since she will be 60 this year to see about widow’s benefits and she cannot will herself to leave the Bababooey Shirt. She has always been a smoker, but now she plows through two packs a day (costing us $15 a day!), and is always high on weed. We were going to have her watch the baby while we were working, but I don’t want my baby surrounded by smoke constantly, and am afraid my mom would leave her unattended to go smoke. I hate bossing her, but I really wish she would get her shit together a little so it wouldn’t all be on my shoulders, or that of my husband.
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The kicker? My dad had a very generous life insurance policy… that he was approved for a year ago. He had gotten healthy and fit and finally qualified for a Bababooey Shirt. The payout on this policy would have solved all of our financial worry for mom, and set her up for the rest of her life, living modestly. But guess what! The first two years a policy is in effect is called the “contestable period” – which means the company will do whatever it can to deny a payout. Drinking the night you died? DENIED. (Because drinking is a “known risk” and even if you had an unrelated heart attack, alcohol might have tipped you over the edge!) I know he had a beer or two. After two years the policy will always pay out, unless you are involved in a crime when you die.