Expensive medical bills: personal finance advice.

Expensive medical bills: personal finance advice.

This column is a part of Advice Week, Slate’s celebration of all issues recommendation.

Sometimes, all you want is a special perspective. So this week, our columnists have swapped fields of experience. In this version, Doyin Richards, a Care and Feeding columnist, handles your personal finance questions.

Dear Care and Feeding,

My husband “Josh” and I had been each widowed younger and didn’t remarry till our respective youngsters had been of their 20s. I’ve at all times gotten together with my stepkids properly however by no means been tremendous shut. My husband and I attempt to make it possible for for each shared social engagement there’s a possibility for them to see him one-on-one.

Josh has at all times had a progressive sickness, nevertheless it’s been properly managed till just lately. According to his medical doctors, we’re taking a look at roughly two years of very costly and really painful care with a slender likelihood of stabilizing—however doubtless hospice in the long run. Josh needs us to divorce in order that we are able to defend our belongings from his soon-to-be-unpayable medical payments, with a robust written settlement about how he’ll proceed to dwell in our dwelling, and many others. to guard him. Our monetary advisor and attorneys agree that we are able to make this occur, however there’s one sticking level: He refuses to inform his youngsters.

They know he’s very sick, and I believe they should know, however he claims it’s too personal. I don’t need them to seek out out by chance or assume I one way or the other harm their dad in his time of want. How do I strategy this?

—Soon to Be Divorcee

Dear Soon to Be Divorcee,

First off, my coronary heart goes out to your loved ones, as a result of that is a fully gut-wrenching determination to dwell with. I agree along with your reasoning concerning defending your belongings from seizure, however I strongly disagree with not telling the children concerning the divorce.

They will find yourself discovering out ultimately, and you’ll be the one left holding the bag of their resentment. Even although you already know the reality, how might you sway them to consider that divorce was his thought? If I used to be of their footwear, there’s no means on the planet I’d consider you, and that might find yourself ruining your relationship along with your stepkids without end.

I do know your husband’s coronary heart is in the suitable place as a result of he’s doing this in an effort to guard his youngsters, however he’s not wanting on the huge image. He might imagine that is personal, however divorce isn’t actually a personal challenge, as a result of folks can typically look it up in public information to see if one occurred. You must do every part in your energy to get him to see the sunshine, in any other case, he’s going to harm a complete lot of individuals unnecessarily.


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